I'm receiving collection letters under a variation of my name for accounts stemming from unpaid balances for BMG/Columia House music and DVD clubs. They don't have the correct spelling of my name though, should I worry and take their threats of reporting me seriously?
2006-08-11 06:12:50 · 6 answers · asked by larceny'sghost 2 in Business & Finance ➔ Credit
Reports are based mostly on SS security number, address, date of birth, etc. It is very unlikely that they will be successful in reporting your derogatory credit without you SS number at all. If they do, and it does show up, you can dispute it saying it's not yours and attempt to have it removed.
I am formerly from the consumer credit industry.
2006-08-11 06:20:28 · answer #1 · answered by Anonymous · 1⤊ 0⤋
I believe so. Your credit report goes by your social security number.
2006-08-11 06:17:57 · answer #2 · answered by Anonymous · 1⤊ 0⤋
Yes, because they have other information to verify that it is you. Thsi happened to my wife, where they had the wrong middle name. It still was put on her credit report.
2006-08-11 06:18:51 · answer #3 · answered by Wizzerd 3 · 1⤊ 0⤋
YES! My mother inl aw's debt is on mine, and our names are not anything alike except the last name! I cannot get it off, as they believe the debt is mine. *sigh*
2006-08-11 06:27:47 · answer #4 · answered by Gothic Martha™ 6 · 1⤊ 0⤋
yea they have your social secrurity number dont they ..and that means your the same person whether your name is spelled smith or sthim
2006-08-11 06:18:21 · answer #5 · answered by Sasha 3 · 1⤊ 0⤋
yes but you can dispute it and say its not you :)
2006-08-11 06:15:03 · answer #6 · answered by Anonymous · 0⤊ 1⤋