I don't know what the deal is, every time I do anything that has to do with my credit, everywhere I go, everyone thinks that I am my sister. Our social security numbers are just 1 digit off, and we have the same last name, but I would think they would still know we're 2 different people. How do I go about letting everyone know that I am NOT my sister?
2007-01-22 05:38:02 · 6 answers · asked by sadlymistaken 2 in Business & Finance ➔ Credit
first get a copy of your credit report at: www.annualcreditreport.com
This is the ONLY site set up by the US Government as mandated by law. The site is free and your report will remain available via comput for 30 days. One canot change accurate factual information. However, before u can attempt to change innacurate information, first u must know what it is u wish to change. You can get a copy for free every 12 months from each of the three credit reporting agencies...Experian,...Equifax and TransUnion....good luck
2007-01-22 05:47:42 · answer #1 · answered by sunbun 6 · 0⤊ 0⤋
I guess I'm confused. Why do you think it's your responsibility that your credit report is correct?
The law says that credit reporting agencies are responsible for keeping your records accurate. If not, they have to quickly fix them, and they are responsible for any damages that their goof up has caused.
So quit letting them off the hook! Read the Fair Credit Reporting Act. Monitor your credit reports, and dispute every single item that doesn't belong. If they don't fix the problem within 30 days, you can sue them for $1000 in small claims court.
Now, I will bet that after their first lost lawsuit they will certainly keep better track of your records.
2007-01-22 14:19:51 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Write all three credit bureaus (Equifax, TansUnion and Experian) a letter stating your problem. If you have a copy of your report, you might want to send them a copy of the pages where the error is showing up. They have 30 days to correct your report and provide you with a new one (for free) that proves that the items have been addressed and removed.
I hope that helps!
2007-01-22 13:49:01 · answer #3 · answered by YSIC 7 · 0⤊ 0⤋
get your free credit report from all three agencies. Equfax experian trans union and get to work
I had the same problem ! whoah what a headache.
Here is my solution and so far so good.
I got gold credit watch from equafax.
All three reports are monitored and any activity new account is reported to me my email. also i get unlimited access to my equifax credit report without consequences.
I check my credit once a week! no joke ! God bless
But it on consumer statement. attached to credit reports.
Good luck! God bless
2007-01-26 10:18:42 · answer #4 · answered by tennessee 7 · 0⤊ 0⤋
try calling Dunn and Bradstreet in Chicago Illinois get a internateal phone book and call them
2007-01-22 13:47:12 · answer #5 · answered by wolf 5 · 0⤊ 0⤋
contact the places you are obtaining your report from. they should have a form to fill out to straighten it out.
2007-01-22 13:43:09 · answer #6 · answered by karen22 2 · 0⤊ 0⤋