Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to dispute student loans on a credit report [title] Mail a dispute letter instead of filing a form online. [step] While filing online is faster and easier, online forms typically include undesirable terms. For instance, by filing online, you might unintentionally agree to an arbitration clause.

Ending1: Meeting with the credit reporting company before writing an email tells the company about what you are going to say. Not only is this a frustrating way to dispute in and of itself, you also run the risk of being sued. Ending2: This means you won't be able to bring the reporting bureau to court if they don't resolve your dispute. The reporting agencies' mailing addresses are : [substeps] Transunion consumer solutions, p.o. Ending3: While it is more straightforward, an ein could lock into lawsuits. [substeps] If you know your attorney, a dispute letter might need to be sent to them instead of sending it in. Ending4: To prevent this from happening, send a dispute letter to the usps. [substeps] Avoid waiting until the usps receives your dispute letter-document your complaint and complaint, and publish your fees along with the dispute letter.

Answer format: ending1/ending2/ending3/ending4