Can you use a copy of a credit report from just one CRA to correct information in all three CRAs?
Simply put, no, you can not. They will require you to have a copy of their own credit report. The exception is if you have a tri-merged credit report (all three bureaus on one credit report). This is acceptable to dispute to all three bureaus with.
You may directly get help from any of the three major credit bureaus if you want to correct an entry in your credit report. Write one of them a letter with all the supporting documents for the correction attached to request for a correction. You may also write a letter to the company who supplied the wrong information that you are requesting for a correction with the credit bureau.
There is no legal way to clear bad credit from a credit report if the bad credit is factual. Repairing credit, however, can be done, but it takes a lengthy process to show creditors that payments can be made and be made timely. However, if the bad credit information is not correct, it simply involves contacting the three major credit reporting agencies for information. Experian, TransUnion, and Equifax all have specific ways to notify them…
Credit reports from the three major credit reporting agencies can be obtained by requesting this information. Everyone is entitled to one free copy of a credit report each year, and this can be requested by either contacting a local financial institution or using an online service such as Annual Credit Report.