shortbaby189 asked:
i have a huge mess with my credit report. Let me begin my explaining the situation. Im a twin and my sister and i have exactly the same personal information with the exception of the last 2 numbers of our social security number and ONe letter difference in our entire name.. mine is iris and hers is ivis. no middle name and same last name, same date of birth same everything.
I noticed there was a problem with my credit when i started having trouble getting a car loan approved this year. when the sales man printed a copy of my report i noticed that all of my sisters credit history and mine were all on ONE report as if we were just one person. Ive been having a lot of trouble with getting approved for loans and i tried fixing it through the credit unions. Its been a year and i havnt seen any progress.
when i was approved for a car loan i was given a super jhigh interest rate and i dont think its fair. It also says my birth year is 85 when its actually 87. Can I sue? What do i do?
I live in Florida… in case that changes anything.
RICK
i have a huge mess with my credit report. Let me begin my explaining the situation. Im a twin and my sister and i have exactly the same personal information with the exception of the last 2 numbers of our social security number and ONe letter difference in our entire name.. mine is iris and hers is ivis. no middle name and same last name, same date of birth same everything.
I noticed there was a problem with my credit when i started having trouble getting a car loan approved this year. when the sales man printed a copy of my report i noticed that all of my sisters credit history and mine were all on ONE report as if we were just one person. Ive been having a lot of trouble with getting approved for loans and i tried fixing it through the credit unions. Its been a year and i havnt seen any progress.
when i was approved for a car loan i was given a super jhigh interest rate and i dont think its fair. It also says my birth year is 85 when its actually 87. Can I sue? What do i do?
I live in Florida… in case that changes anything.
RICK
#1 by Josh H on January 12, 2010 - 6:14 pm
ANDRES
I’m quite curious myself.
#2 by Victory A on January 15, 2010 - 7:59 am
CLAIR
I think you should contact the credit bureau and ask them to clear out your situation. I’m not quite sure you can sue them for it… but you should just put the things right and correct your credit profiles. Probably, mistakes appeared because you haven’t checked your reports for a long time. Be sure to check your credit report once a year and take it from all the major bureaus to check out if they are identical.
If you have any more questions concerning credit or finance, welcome to the free online service I work at.
#3 by Karia on January 16, 2010 - 1:16 am
SILAS
I have dealt with credit information issues. First, you don’t sue the credit bureau because they only report the information being given to them by the lenders (credit card companies, banks, car loan companies, etc…) Credit bureaus usually take identity theft seriously and want to help you, although there may be a lot of red tape to get to the end resolution. Here is where you need to start:
1. First, call each of the three credit bureaus, ask for a free credit report. This can also be done online. Look over your report carefully with a highlighter and mark everything that is not correct for you.
2. Next, call each credit bureau and ask for the fraud department. Tell them you have recently viewed your credit report and have found numerous errors (be ready to list each and every error) and believe someone else has been using your information to open up lines of credit. In my case some of the information was resolved by the credit bureau. Other things they told me I had to contact the creditor, explain the error on my report, ask them to resend the correct information to the credit bureaus. When you do this, you MUST follow up to make sure it was removed. This may take 30-90 days because some companies send their credit reporting information on a monthly basis, others on a quarterly basis.
3. It will take time, energy, tons of phone calls, and lots of follow-up. Your sister may have to write a statement to the creditor claiming her part of the mis-information on your report to speed things along.
You can get an attorney to help push things along but you can’y sue them without proof of negligence.
Best wishes.