Nikki L asked:
I recently checked my credit score due to a denial on a credit card. I am divorced and was worried my ex didn’t pay a credit card bill that was in both our name. When I entered all of my personal and secure information into the “free credit report.com” 2 out of 3 reporting agencies had my correct credit history. However, the third, Experian, did not. The person it was reporting had TERRIBLE credit, and although mine isn’t an 800 it’s most definitely not a 540. I was recently informed by the company I work for that we will no longer have company cars and in place will acquire a car allowance, unfortunately I do not have my own vehicle and will have to purchase one by September 1st, 2009. Has this happened to anyone ever/recently? I’ve tried contacting Experian with no success, and every time I go to the “dispute” tab it automatically adds the girls information they have me confused with, since she’s $14,000 (+) in debt and (fortunately) I have none I don’t want to affiliate myself with this woman in any way. I need the help of anyone that’s been through this or contact information to correct this…not to sound pathetic but I’m BEGGING!!!
Thanks in advanced for your help and sorry this is so long, I’m freaking out…and I talk a lot!!!
Virginia
I recently checked my credit score due to a denial on a credit card. I am divorced and was worried my ex didn’t pay a credit card bill that was in both our name. When I entered all of my personal and secure information into the “free credit report.com” 2 out of 3 reporting agencies had my correct credit history. However, the third, Experian, did not. The person it was reporting had TERRIBLE credit, and although mine isn’t an 800 it’s most definitely not a 540. I was recently informed by the company I work for that we will no longer have company cars and in place will acquire a car allowance, unfortunately I do not have my own vehicle and will have to purchase one by September 1st, 2009. Has this happened to anyone ever/recently? I’ve tried contacting Experian with no success, and every time I go to the “dispute” tab it automatically adds the girls information they have me confused with, since she’s $14,000 (+) in debt and (fortunately) I have none I don’t want to affiliate myself with this woman in any way. I need the help of anyone that’s been through this or contact information to correct this…not to sound pathetic but I’m BEGGING!!!
Thanks in advanced for your help and sorry this is so long, I’m freaking out…and I talk a lot!!!Virginia
#1 by sc2m on September 18, 2010 - 12:30 pm
Theodore
You need to write to them, keep a copy of your letter, and keep on top of it or call them to see how they can handle that. They’ll probably ask you to send them some documentation, but keep on till it doesn’t show. With credit agencies, persistence is the key!
#2 by Robert on September 20, 2010 - 9:36 am
Florence
A kinda similar situation: My father has a similar name to mine. He owed the IRS $40,000.00. The bureaus picked it up and were reporting it as duragatory information about me. I had to go to The county and pull up some original records – a tax lien or something. Then I had to file an Aphidavit of Identity. Of course the social security numbers were totally different and the names are only similar. But what a headache. With the Aphidavit of Identity. I was exonerated and after faxing the docs to the bureaus who were reporting this erroneous yet durogatory information, it was finally removed from my records. I hope this gets you pointed in the right direction. It was many years ago, so I’m a little hazy on some of the details.
#3 by bdancer222 on September 22, 2010 - 12:18 am
Allan
Print out a copy of the credit report. Mark each item that is not yours. Send a letter to Experian. Indicate that they have merged your credit file with someone with a similar name.
Unfortunately, this is not an uncommon problem and it can be very difficult to get fixed.
By the way, FreeCreditReport.com is not free. You may want to cancel the monitoring service you signed up for. The place to get really free acess to your free annual credit report is AnnualCreditReport.com.