I'm still waiting on my "free" credit reports from EQ and TU. Why do they make it so hard to get the report? I am supposed to get 2 free per calendar year. I have the free online ones but I wanted hard copies to use in court if necessary. The CRA's say people in GA get 2 free reports per year but not online. You see the same ones you originally got free. So you have to get the other free copy via mail. Anyways, I wrote EQ b/c the online report did not have the DOFD on any of my accounts. Again, I wanted something written from them to use in court. I get a letter today saying they started the dispute?! The letter I sent explicitly stated it was not a dispute and just wanted the obsolescene date and DOFD on said accounts since it was not listed on my report. They are supposed to have both bits of information. Also, they sent 2 diff letters dated the same day. In one letter EQ stated they wanted more info for identity purposes and the other letter wanted more info on accounts from West Asset, NCO, and Oxford Collection. I'm looking at the ones from my online report and they aren't even listed. I've never even heard of them. WTF is going on? Why is it so hard to get copies of my CR? I'm tired of going through "free" channel for my reports. I'm just going to pay for them. I think that's why they make it so hard to get the free copies. It shouldn't take this long to get copies from the 3 CRAs.