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I had a similar problem some time back. I can tell you from experience that it works best when you go ahead and get your yearly freebies from all three. Also Experian has a history of 'we reported what we were told', so you're always better off when you dispute this account that you're not sure of even when they've put it down as verified and updated.
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I disagree with getting the 3 free because it gives the ca's an extra 15 days to answer it's right in the fcra so buy your reports from each bureau don't give them an advantage