The credit report i received that had the negative was from Equifax. I did dispute it with them. I assume the collection was reported to the other 2 credit bureaus. Would I need credit reports from Experian and Transunion to file disputes? The reason I am hesitant on requesting my credit report from these 2 agencies is because I've heard that requesting it too many times in a small amount of time looks bad. Is this true? If it is, thats crazy. They collect information about me and now i'm hesitant on requesting to look at my own information for fear it might look bad? Wow.
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