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As I'm well on my way towards a debt-free lifestyle, I wanted to check on my credit in order to verify its accuracy. I've only ordered a credit report once, and it was quite some time ago. Given that I've had such activity on my accounts over the last three years, I'd like to make sure there are no errors.

So, I've ordered a report from Equifax, and will order from the other two agencies in the near future. My question: are genuine reporting errors usually only found on one of the three reports? If the same error is to occur across multiple agencies, must I dispute the error at each separate agency?

Also, a more shady question: is it ever advisable to dispute items that you know to be accurate? For example, I'm sure I have a few negative comments on my report. While I have a right to dispute any of these comments, I know that they (TRW, etc) reserve the right to toss out disputes that have no merit (so I can't say, "They're all wrong!). However, might I be able to dispute a few valid items in the hopes that the creditors will not respond to my inquiry? Are certain creditors more adamant in verifying these items?


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