Using a Report You Already Have

If you already have a current credit report and want to use it - you can, but make sure that it is a "Tri-Merged" report and that it has your credit scores.   A tri-merged report is one that has information from all three credit bureaus.   If you only get the information from one credit bureau, you won't know what is in the other two - and you won't be able to repair your credit as effectively.

If you already have your tri-merged report with credit scores, you're ready to go to Step 3 - Entering Disputes.