Post # 1
Pulled a credit report to check it before geting too serious about house buying and found some errors.
– An address of a friend, where I never lived. Tried to dispute, told “The address in question was reported by your creditors or potential creditors or obtained from public records. If incorrect you may want to contact the source of the information directly.” and they wouldn’t let me dispute it. I contacted the friend to see if he had ideas… turns out, when my ex left the country, he registered his car at the friend’s place to keep it registered in that state and swapped the (joint) bank account to there to do it. I had been after him for months to close the joint account or remove my name, but he took forever to do it, so I got caught up in this. (Why he couldn’t have removed when he switched addresses, I do not know.) Should have just withdrawn all of the money to get his attention! I don’t think this affect my credit score but it’s annoying to have the ex still affecting things.
– A credit card reporting twice with different limits. (Disputing is tricky – it’ll reduce my available credit by $10,000 but increase my age by eliminating an April 2012 card. I opted to dispute and go for accuracy over guessing which is better for my score.)
And that’s one down, two to go. What were your errors? Where they beneficial or harmful? How long did it take to get them corrected?
Post # 3
Mine didn’t have any errors, but my husband’s had a debt he never knew he had! He wrote to the companies to dispute but it’s like pulling teeth to even get a response. It was literally a $50 cable bill that one of his roommates in college agreed to pay as they were all moving out, but he never did. Apparently. We wound up just using my credit and income because it was just easier that way.
Post # 4
@kay01: I’m new to understanding how credit works.. can you explain what you mean about the same creditor reporting two different limits? How did this change your age? What organization do you use to get your credit report (you personally, I know there’s a couple options). Thanks!
Post # 5
I just disputed my credit report a month ago after it was listing a wrong address. It showed up on there after one of my student loans started mailing my bill to the wrong address (no idea why that suddenly happened!). After I disputed it, it was resolved in probably about an hour saying that they removed the incorrect info.
Post # 6
We had to dispute my FI’s credit due to an incorrect address. It took months and tons of documentation (lease agreements, tax returns, etc), but it turns out someone opened a fraudulent account in his name. The three credit companies did eventually take it off his report though.
Post # 7
Uh! Mine has errors… I have not checked in lately to fix them, so annoying!!!! Mine had a debt recorded 3 years later than it was… purposely by the company to keep it on my record longer… bastards!
Post # 8
@love108: I think freecreditreport.com is the site I use- it allows you to pull one free report a year. Otherwise you can pay $10 to pull it anytime.
Post # 10
@love108: can you explain what you mean about the same creditor reporting two different limits? How did this change your age? What organization do you use to get your credit report (you personally, I know there’s a couple options). Thanks!
I have one store card, but it is showing up as two, with different credit limits. If I cancel a card that I opened recently, it will raise the age of my credit card average, which is something that they consider in calculating your credit score (longer is better). Since this double report is the most recent card I have, it will raise the age of my accounts.
I got mine from freecreditreport.com. You can get one from each of the three major bureaus once a year for free (or rotate getting a different one each four months to catch anything wrong sooner).
Post # 11
I’ve had my identity stolen and my student loan servicer reported me to the bureaus for not having made payments even though my loans were in deferment back then. To my experience, you really have to get on these peoples’ @$$es. Buy into one of those credit score monitoring services and check and recheck your record like mad. It can take months for everything to clear. It took me over 6 months of harrassing them to have one error removed, and there was still an error over a year later which I have *JUST* gotten them to remove (and even then they said it would take two months for it to officially come off my record). Thankfully my credit score was pristine, otherwise I might not have qualified for the wonderful loan program I’m getting my mortgage through. But beware that this is a long and hard road you’re about to embark upon, and be extremely diligent because no one else will be looking out for you.