Up to how many years can you fix your credit report?

Question

In the building where I live used to live another lady called Aleida P. with a different last name. The credit report is confusing us both because of the same name. The true is that I don't even know Aleida P. The problem is that I didn't check my credit report in 4 years. Know I am applying for a job and for credit and the creditors denied me everything. And I didn't get the job either.
When I requested my credit report it shows that the other lady called Aleida has delinquencies, liens, judgmets. Can I fix it?

Answer 1

There is no time limit on repairing your credit, especially if you are not at fault! Have you tried getting one of those free credit repair consultations:

http://www.mortgageous.com/healthy-credit

They have specialists and attorneys who are trained to help you rebuild your credit quickly.

You shouldn't be penalized because this other woman is financially irresponsible. I wish you the very best of luck in sorting this out.

.

Answer 2

Yes you can fix it. Not sure what you know - so I may say some stuff you already know.

First there are three major credit reporting agencies - Equifax, Experian and TransUnion. Depending on where you live you can request at least one FREE credit report from EACH agency every 12 months. If there are issues or corrections needed on the reports I am unsure if you have to pay or get an updated report free. AnnualCreditReport.com has how to dispute items on your report. Look under Frequently Asked Questions

You do not have to pay for a 3-in-1 credit report, unless it is easier for you. AND you don't have to pay someone to 'clean-up' your credit. You can do it.

When ever you get rejected for credit or job based on credit you can get a free copy of the report from the credit company they used. You should get a rejection letter with info needed to request the free copy.

On the credit reports themselves there will be contact numbers and addresses. Contact the creditor(s) listed and explain to them that they have reported item X to the incorrect person and they should correct it. If they do not then you can go to the credit agency to seek resolution.

We had a default for a funeral on my husband's report (Brown is so common). After verifying date of birth and soc numbers they agreed with the error and corrected it.

Sorry this is so long winded. It may take some time, but it will be worth it. Good Luck.

Answer 3

You need to write each credit reporting agency (Transunion, TRW and Equfax) a letter and explain this scenario to them and advise them that you would like to add a CONSUMER STATEMENT to appear on your credit report, disputing the lien,judgment, delinquencies). Did Aleida P. get a hold of your social security number?

Answer 4

It usually takes up to seven years. If you can prove that the delinquencies, liens or judgments were not against you but someone else, these will be taken off your record.

Of course, to do this, you will have to get all of the credit agencies to clear your name. And even then, it takes time to get your score back up.

Good luck and sorry that this happened to you.

Answer 5

To save time writing letters to credit companies do this:
Run your credit report on this government site https://www.annualcreditreport.com/cra/index.jsp (I recommend you choose expedia is the one I used) once you have your credit report review all the accounts that don't belong to you and there is a little box at the top that says "DISPUTE" just click on that tab type the reason you are disputing the account send it and they will do everything else for you. When they finish the investigation they will send you an email with the result and that is..!! Good Luck..!!

Answer 6

As far back as credit is reported on your report. I have credit cards thats date back to when I was 18 ( 12 years ago) on my report. I could still raise or lower my score depending on what I do with that card.

Answer 7

when I needed my credit report I used this site. works really good.