Posts Tagged 3 Years
How to tell if an account is yours or the person that took your identity on your credit report?
JadedSin asked:
The issue is that I found out that my mother has been using my S.S. number to open tons of accounts and she doesn’t pay her bills. I would like advise on the easiest way to figure out if an account is actually mine or not. Some of the accounts go back 2-3 years and I can’t find any paperwork from those companies in my files and I’ve never heard of their names. When you request validation from a credit card company, what do they send you as proof? How do they prove it’s actually your account? I’m just afraid that it will be very hard to prove that they are her accounts and not mine since we have the same last name and we lived at the same address. She also knows most of my personal information.
The issue is that I found out that my mother has been using my S.S. number to open tons of accounts and she doesn’t pay her bills. I would like advise on the easiest way to figure out if an account is actually mine or not. Some of the accounts go back 2-3 years and I can’t find any paperwork from those companies in my files and I’ve never heard of their names. When you request validation from a credit card company, what do they send you as proof? How do they prove it’s actually your account? I’m just afraid that it will be very hard to prove that they are her accounts and not mine since we have the same last name and we lived at the same address. She also knows most of my personal information.
Is it better to try and have this stuff removed from your file before you contact the DA’s office and file charges?
What are some of the first steps that I need to take (other then run my credit reports)?
Thanks!
LUIS
Question about getting a personal loan?
Jennifer K asked:
I am in a pretty bad credit situation. I got an auto loan 3 years ago with the help of a cosigner. I have made every payment on time. Now my loan is up and I would like to get a personal loan of 5,000 dollars. I still have the same things on my credit report as 3 years ago. Do you think the bank would give me a loan without a cosigner? Even though I have bad credit wouldn’t I be considered credit worthy with them? Thanks for any help.
MIKE
I am in a pretty bad credit situation. I got an auto loan 3 years ago with the help of a cosigner. I have made every payment on time. Now my loan is up and I would like to get a personal loan of 5,000 dollars. I still have the same things on my credit report as 3 years ago. Do you think the bank would give me a loan without a cosigner? Even though I have bad credit wouldn’t I be considered credit worthy with them? Thanks for any help.
MIKE
credit report? removing negative medical bills?
Eden asked:
Does anyone have ideas regarding removing negative medical bills on my credit report. I have disputed the information, information both the 3 credit agencies as well as the hospital in question that the bills are not mine. The hospital wants my personal information to research this, but I refuse to give them that because it is a violation of the patient confidentiality laws..but they still wont remove. on my Creport, it says “in dispute by consumer”, but aside from that it hasn’t changed over the past 3 years. I don’t even live in the state in which it is charged for. I heard you can get this stuff removed by disputing the way I did, because of the patient confidentialy laws, the hospitals cannot release personal information…
Please let me know your thought.. advice… and please reference your resources.
Thanks
WESLEY
Does anyone have ideas regarding removing negative medical bills on my credit report. I have disputed the information, information both the 3 credit agencies as well as the hospital in question that the bills are not mine. The hospital wants my personal information to research this, but I refuse to give them that because it is a violation of the patient confidentiality laws..but they still wont remove. on my Creport, it says “in dispute by consumer”, but aside from that it hasn’t changed over the past 3 years. I don’t even live in the state in which it is charged for. I heard you can get this stuff removed by disputing the way I did, because of the patient confidentialy laws, the hospitals cannot release personal information…
Please let me know your thought.. advice… and please reference your resources.
Thanks
WESLEY