Find out how to get a copy of your credit report, how to find out your FICO score, how to correct errors on your credit report, how to dispute your credit report and more at Spies Online.

Welcome to the home page of Spies Online, which contains a myriad of investigative resources for private investigators, including a PI Directory.  Whether you are a private detective or an amateur sleuth  looking to find someone or conduct a free people search, you will see why private eyes choose to use the investigative resources at Spies Online. Home  The Spies Online Forum is not just for private investigators.  Discuss investigative resources, private investigation, computer security and privacy, and legal issues. Forum  Send free electronic postcards here.  Our electronic postcards are not just for private investigators. Postcards  The Spies Online PI Directory from Spies Online has listings of private investigators worldwide. Spies Online PI Directory  Our e-mail discussion group is not just for private investigators.  We discuss private investigation, investigative resources, computer security and privacy, and legal issues. E-mail Discussion Group  Spies Online's PI Bookstore is not just for private eyes.  While we recommend books on private investigation, investigative resources and computer security and privacy, you are free to order any kind of books that you like. PI Bookstore  Our FAQ/TOS and privacy policy should be reviewed before exploring the investigative resources on this site.  Private investigators and everyone: please read our rules before using this site. FAQ/TOS


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Spies Online contains a wealth of investigative resources for the private investigator and amateur sleuth alike.  For those who want to learn the art of private investigation, forget about software programs promising to turn you into an online spy. Spies Online will show you how to find someone and conduct a free people search, in some instances.
Looking for someone or something?  Spies Online has a wealth of investigative resources available for private investigators and amateur sleuths alike.


Credit Reports/Information


  • Dispute Your Equifax Credit Report Online
    Find out what to do if you find an error on your Equifax report.

  • Dispute Your TransUnion Credit Report Online
    Find out how to dispute your TransUnion credit report. You may do it online, but there are also instructions for doing it by phone or mail.

  • Dispute Your Experian Credit Report Online
    Dispute your TransUnion credit report online - or you may do it by phone (714-830-7000).

  • Free Credit Analyzer
    While this online tool is not 100% accurate, if you answer a few questions, it will give you a general idea of what your credit rating score is. Spies Online strongly recommends getting a copy of your real credit report, however, because only then can you find out your real score and be alerted to signs of identity theft.

Credit Laws
  • Fair Credit Reporting Act
    Find out who can get a credit report on you and the permissiable purposes of credit reports.

  • Fair Credit Reporting Act Rights - All States
    Sometimes, you are entitled to get a FREE credit report. According to Experian, "You can find out what is in your file. At your request, a CRA must give you the information in your file, and a list of everyone who has requested it recently. There is no charge for the report if a person has taken action against you because of information supplied by the CRA, if you request the report within 60 days of receiving notice of the action. You also are entitled to one free report every twelve months upon request if you certify that (1) you are unemployed and plan to seek employment within 60 days, (2) you are on welfare, or (3) your report is inaccurate due to fraud. Otherwise, a CRA may charge you a fee of up to nine dollars ($9)."

    Additionally, residents of certain states (i.e. California, Colorado, Connecticut, Maryland, Massachusetts, Texas, Vermont, Washington) have some additional rights. For example, Maryland residents can get their credit report once per year for free!


If you want your name and address removed from mailing lists obtained from the main consumer credit reporting agencies, including TransUnion, Experian, Equifax, call 888-5OPTOUT (888-567-8688).

If you are entitled to a free report from Experian, to confirm your eligibility and to request your free copy delivered by U.S. mail, please call 1-866-200-6020 (Note: 866 is a toll-free number). To request a copy of your TransUnion Credit Report by phone, call 800-888-4213. To request a copy of your Equifax credit report by phone, you may call 1-800-685-1111.

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