How can I achieve wrong name past its sell-by date our credit report? The agencies speak it can't be done online. Can SSN singular be run
My husband shares a first name with two people members. We have other had great credit, however while purchasing our home recently one agency showed the other two family unit members on our report. It hasn't affected our credit thus far but one of the party has since passed away and the other is now surrounded by foreclosure.
Our mortgage guy suggested requesting reports be run on social security numbers only. Can we do that? If not is here a way to take supervision of this by talking to a human.No luck with that so far.
We've worked so complicated for what have and have made so copious hard responsible decisions when it would own so much more fun to spend, spend, spend . I don't want those sacrifices to have be for nothing just because we own relatives who didn't do the same.
Thanks
Answers: My husband and I had that problem back we bought our house. He and his father share the same name and his parents have filed for bankruptcy. We have not checked our credit until we were wanting to buy a house. To our dismay, their bankruptcy be on our account along with several others.
My husband have to write certified letters to each of the credit companies beside his id explaining that they had the wrong party and the wrong ss#. With lots of time and effort, we did get it resolved. That is why it is apposite to check your credit, we had no idea that they have done all that until the last minute.
Also, if the report is run by ss# with the sole purpose, it could still have the wrong person. That is what happen to us. They actually had the birthdays and socials mixed up. And, by the agency, you will not have luck speaking with anyone, the credit companies are not vastly people friendly. Be relentless and don't give up on it and it will procure resolved.
write all three bureaus explaining they are also reporting someone else's file - they can any remove that or add a note to the folder (that can be seen by all when your credit is pulled) that say there are additional name that come up that aren't yours ~ my husband, his dad, son & grandson do the same thing - they hold the same name and at hand are 4 of them! LOL Write Equifax, Experian, and Transunion, include a copy of your credit report. They will investigate and report back to you. If they do not report back to you inwardly 30 days they have to remove it by law.
You can contact your credit bureaus and I know at lowest with Experian they do have an on row dispute system and you can take care of it in attendance. You need to run all three of his reports (www.annualcreditreport.com). Then follow the dispute procedures for any items that are mistakenly posted to his transcription.
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Our mortgage guy suggested requesting reports be run on social security numbers only. Can we do that? If not is here a way to take supervision of this by talking to a human.No luck with that so far.
We've worked so complicated for what have and have made so copious hard responsible decisions when it would own so much more fun to spend, spend, spend . I don't want those sacrifices to have be for nothing just because we own relatives who didn't do the same.
Thanks
Answers: My husband and I had that problem back we bought our house. He and his father share the same name and his parents have filed for bankruptcy. We have not checked our credit until we were wanting to buy a house. To our dismay, their bankruptcy be on our account along with several others.
My husband have to write certified letters to each of the credit companies beside his id explaining that they had the wrong party and the wrong ss#. With lots of time and effort, we did get it resolved. That is why it is apposite to check your credit, we had no idea that they have done all that until the last minute.
Also, if the report is run by ss# with the sole purpose, it could still have the wrong person. That is what happen to us. They actually had the birthdays and socials mixed up. And, by the agency, you will not have luck speaking with anyone, the credit companies are not vastly people friendly. Be relentless and don't give up on it and it will procure resolved.
write all three bureaus explaining they are also reporting someone else's file - they can any remove that or add a note to the folder (that can be seen by all when your credit is pulled) that say there are additional name that come up that aren't yours ~ my husband, his dad, son & grandson do the same thing - they hold the same name and at hand are 4 of them! LOL Write Equifax, Experian, and Transunion, include a copy of your credit report. They will investigate and report back to you. If they do not report back to you inwardly 30 days they have to remove it by law.
You can contact your credit bureaus and I know at lowest with Experian they do have an on row dispute system and you can take care of it in attendance. You need to run all three of his reports (www.annualcreditreport.com). Then follow the dispute procedures for any items that are mistakenly posted to his transcription.