(Closed) Credit Score corrections

posted 6 years ago in Home
Post # 3
Member
1310 posts
Bumble bee
  • Wedding: December 2011

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
Member
3968 posts
Honey bee
  • Wedding: September 2014

@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
Member
1765 posts
Buzzing bee
  • Wedding: September 2012

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
Member
8446 posts
Bumble Beekeeper
  • Wedding: April 2013

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
Member
7770 posts
Bumble Beekeeper
  • Wedding: July 2010

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
Member
7770 posts
Bumble Beekeeper
  • Wedding: July 2010

@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 # 9
Member
3968 posts
Honey bee
  • Wedding: September 2014

@cbee:  Thanks! 

Post # 11
Member
886 posts
Busy bee
  • Wedding: November 1999

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.

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