credit report question?

Question

I am 51 years of age and recently divorced. I have never looked at my credit report until now. My ex-wife told me that if I did, it would take points off of my credit report. My question is: when I viewed the credit report, it had my wrong birthdate, three social security numbers that weren't mine (mine wasn't on it) several addresses that I had never lived at (they appeared to be typos) and it was only two pages long, yet I am a self-employed person and have had lots of credit history. (By the way, she is an accountant and did my bookkeeping.) Can someone explain how I could have credit when my own social security number wasn't even on the report, nor' the right birthdate?
Thank-you.

Answer 1

When you pull your own credit report, your score will not suffer.
As far as the incorrect information is concerned, you should write all three credit bureaus a letter and tell them your dilemma. Provide your full name, date of birth, SSN, current address and two previous addresses. (You might also want to send a copy of your driver's license). You might also want to send a copy of the credit report showing the errors. They might have you mixed up with someone else if you have a common name.
Since you are a business owner, you should have a credit history....as long as you have personal credit along with your business's credit.