Get a copy of your credit report from all 3 credit bureaus and file a dispute with each. They have a form you can fill out. You can get free credit reports from www.annualcreditreport.com
This hapenned to me in the past. I was registered with experian, I had no defaults on my credit report, however a loan company told me that I had a default on my credit report I then told them that I had checked my experian credit report and it was clean but they told me it was equifax where the bad report was logged on. I checked it and it was for a credit card I had never even heard of. Equifax investigated it and found out in a couple of days that I had nothing to do with it. This was in 2007 about when it was removed. its now 2011 I also found out recently that you can actually sue companies that put false information on your credit report.
When you dispute an item on your credit report you write a letter to the company and tell them what is wrong and why. This can be very hard to get done because often the credit reporting companies ignore these letters. It can be as simple as an wrong address listed on your report or to something more harmful, but you have to keep it up to get them to change it ( keep copies of your letters).
Misrepresenting any form of information in a credit report is incorrect and a crime too. Irrespective of who is misrepresenting the information, doing so is wrong.
First step is to order a copy of your credit report from each of the National Credit Reporting Agencies, Experian, Equafax, and TransUnion. Once you have received your reports carefullt check your personal information. If you find that any of it is incomplete or wrong write a letter of dispute to the CRA asking for it to be corrected. Once they correct the information they will send you a new report free. Again check all information and dispute any information that is in any way wrong. A good source of information for cleaning up credit is at http:/www.fair-credit-reporting.com. This site offers good information and many samples of letters to use.
If you are married, your husband can definitely apply for a credit card in your name. This is commonly done. Some husbands make their wives as supplement to their credit cards or apply for a separate card. So, the credit card company may not find anything wrong with what your husband did. Not unless, you and your husband are having problems, then if you have a case, better report it first to the proper authority before you approach the credit card company with your complaint or case.
This hapenned to me in the past. I was registered with experian, I had no defaults on my credit report, however a loan company told me that I had a default on my credit report I then told them that I had checked my experian credit report and it was clean but they told me it was equifax where the bad report was logged on. I checked it and it was for a credit card I had never even heard of. Equifax investigated it and found out in a couple of days that I had nothing to do with it. This was in 2007 about when it was removed. its now 2011 I also found out recently that you can actually sue companies that put false information on your credit report.
Bad credit or any negative report will remain in your credit report for seven years. Therefore, if it happens that there is a wrong information that will affect your report negatively, be sure to dispute it immediately. You can also do your own credit card repair in order to eliminate any bad credit that will be reflected in your credit report.
You cannot remove items from you credit report. What you can do if you feel that some thing on it is not right or should not be there at all, is write to your local credit bureau explain what is wrong and send them some proof. This may take a while, you must have some kind of proof. Simply not wanting to pay something or misunderstanding is not enough to get somethinh removed. You cannot remove items from you credit report. What you can do if you feel that some thing on it is not right or should not be there at all, is write to your local credit bureau explain what is wrong and send them some proof. This may take a while, you must have some kind of proof. Simply not wanting to pay something or misunderstanding is not enough to get somethinh removed.
yes you can definately report it.Every year, you can request a free report from any of the three credit. if you come to know and something is wrong You can improve your credit report legitimately and that can be beneficial.
You can get a free credit report from all three once a year. Other than that, you can get one any time you are turned down for credit based on your credit report. Once you have the credit report you can submit an explanation of any bad things reported about you. That way you have the detail as to what went wrong.
Generally, negative information such as late payments, collections, or bankruptcies can remain on a credit report for up to seven years from the date of first delinquency. However, some information, like a Chapter 7 bankruptcy, can remain on a credit report for up to ten years. After this time period, the information should automatically be removed from the credit report.
IF there are REAL and PROVABLE errors on you credit report, then you can challenge them ALL. However, you have to be objective about it - if there is stuff on the report that you DID, then however much you may dislike it, it is a TRUE record of your credit history and SHOULD be on your report. To get stuff removed, it is no use just complaining, you have to be able to PROVE the mistake by producing documentation to back up your case.
When you dispute an item on your credit report you write a letter to the company and tell them what is wrong and why. This can be very hard to get done because often the credit reporting companies ignore these letters. It can be as simple as an wrong address listed on your report or to something more harmful, but you have to keep it up to get them to change it ( keep copies of your letters).
Misrepresenting any form of information in a credit report is incorrect and a crime too. Irrespective of who is misrepresenting the information, doing so is wrong.
The credit reporting companies have a dispute form that you can use to dispute anything that is wrong on your credit report. Ask for this form or send a letter detailing the information in your report and explain why it is incorrect. They will investigate the matter and send you their findings. If it is incorrect they will remove it from your report.
All you have to do is dispute it. They'll investigage it and correct any inaccuracies
Yes, it goes by your social security number. In addition, that wrong address will probably show up on at least one of the reports.