Have you ever found an error in your credit report?
I have found errors, and some of them are still not fully fixed. Someone bought a house in my name when I was 13, and for some reason no one believes that it wasn't me. How the heck could I have bought a house at 13? The police think that someone must have sold my social security number when I was younger, because it keeps getting re-used.
Anyone know what to do when this happens? Am I stuck with this number forever? The police and lawyers that I have talked to are no help when it comes to this. For the most part the mortgage problem IS fixed, in that it is no longer affecting my credit (I think).
I don't even know where this house is. They won't tell me. They say that they can't tell me. If it's my house, I would like to know where I'm supposedly living. I mean if I went into the house, could I even be charged with trespassing since the house is technically mine?! Could I go in and just steal everything (is it even technically stealing if it's all in my name?)
I remember reading this story awhile back (like 5 years ago) about how this woman had her identity stolen and she was at Starbucks ordering a drink. She has an unusual name, and the person before her had her name called out so that she could pick up her drink, and the name was similar to hers. This lady then followed her supposed identity theft person and rung out again behind her and noticed that this lady HAD HER CREDIT CARD. The lady then followed her outside and tackled her and called the police. The person who stole her identity is in jail, but I believe it was for a ridiculously short time (like a couple years).
Here's what to do when you find an error:
- You should be constantly checking items on your credit report, ESPECIALLY if you are like me and things like this keep on happening. I am “subscribed” to a credit reporting agency and I check mine every month.
- When you eventually do find an error, contact the credit bureau where you found the error. You can call (to get more information on it) but make sure that you write. When you write, then include the date, your name, address and the problem.
- If there is an error with more than one credit bureau, then do the same thing for all 3 credit bureaus.
- Include a copy of your credit report and the page that has the error (make sure you don't include any originals of anything). Originals should of course stay with you.
- Include your proof that this is not you. It was VERY hard for me to find proof that the house wasn't mine. How was I supposed to prove that? I WAS 13. Who the heck remembers what they were doing on an exact day when they were 13? I was probably at school when I allegedly bought this house.
- And then wait for a response
If you never check your credit report, and don't find out about it until you buy a house or try getting some sort of loan. This can greatly affect you. You might not be able to get the loan and your credit score will be affected.
Here are the numbers and websites to get a copy of your report.
- Experian-1-888-397-3742 www.experian.com
- TransUnion-1-800-916-8800 www.transunion.com
- Equifax-1-800-685-1111 www.equifax.com
Have you ever found an error? How was the process for you?