Answer: -From what i understand if you are unable to answer the questions online they give you the option to receive the report by mail do they not? -Perseverance, patience, persistence, and politeness (yes, I said it) will get you to your goal. It is not a pretty process, but you can get your records corrected over time. It varies by situation and resource accessibility (i.e., how close are you to certain key offices), so I would not dare to give you an estimate of how long it would take. Just know that it will and does work. Check out the sources I've included below and always keep copies of everything you send. -The best site is: https://www.annualcreditreport.com/cra/i...you can check all three bureaus. I suggest checking one now, then a second in 4 months, the third 4 months after that. Then you can start over again in 4 months.As far as the mortgage info goes, write a letter to the mortgage company and credit bureau disputing charges. I would also suggest sending by certified Mail Return Receipt requested of course keeping a copy for your records. You can clean your report by yourself by doing the above. You also could contact a Primerica (white pages) agent for no monetary fee on getting out of debt and financially independent.