When you get into the individual bureaus per the links I’ve provided, you will be asked some questions to properly identify yourself so be prepared to answer certain questions on things that only YOU would know the answer.
For example, a page will pop up with some questions and multiple choice answers something like this: 1.
Wells Fargo, c. Volkswagen, d. None of the Above.
Some of the questions will be tricky so my suggestion before doing this is have your Credit Karma account open on another device and refer to the credit history on CK to find the answer (remember, CK doesn’t show Experian accounts at all).
Once on this question/answer page in each bureaus website, you will have to be quick about responding because if you take too long, you’ll be automatically logged out and will have to start over.
Don’t go into long explanations, or any explanation…..just choose NO CONTRACT or type out NO CONTRACT in the comments or wherever it is they want you to put your reason for disputing.