Alief Financial Services

Since COVID, you can get 2 free credit reports annually. Don't make it complicated: request all 3 from the major bureaus. Many bureaus get data from third parties, not directly from the original creditor. Before disputing, tell SageStream, LexisNexis, and Innovis to stop sharing your information. After two weeks, send dispute letters for any inaccuracies. Challenge them to 'prove this s**t' and highlight discrepancies like different open dates or inaccurate late payment reporting on charged-off accounts. You'll see deletions.