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credit
There are three credit reporting agencies.
Trans Union, Experian and Equifax.
I have good credit and was recently turned down by my bank for a loan to refinance my home equity line of credit for a lower rate.
I thought that was odd, so I pulled my credit report online. (Experian)
There was 8 negative things on my credit report that aren't mine!
6 ambulance/hospital bills, 1 utility bill and a judgement for child support!
I was in shock, so I pulled Trans Union and Equifax. Nothing negative showed up at all.
I have disputed all of this with Experian, of course. But it's still there. What can I do to get this negative history removed from my credit?
These things are HONESTLY not mine! By calling the creditors who are on the report, they say that the person's name is James "Smith"- I am Jamie "Smith". HELLO! I AM A GIRL!!! This person was born in 1982...I was born in 78! And his ssn starts with 125...mine is way different. We have the same last name, but still...it's rediculous! How can he even be confused with me...because we have similar names?? That's not right!
Luckily, I just got a new car last week and I was approved for 0% financing. So I know that not everyone sees it. I am just so angry that it's there and not going away.
What do I do?
You can't talk to a live person at Experian, I tried. And it isn't identity theft so the police won't get involved.
I have worked so hard for this good credit, I can't let some deadbeat dad I don't even know ruin it for me!
Any ideas would be helpful, I don't know where to turn.
Thanks!
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Maybe give some free advice about: Random Weirdos?
ok, wow now I'm convinced that Expirian is some shade mo~fo's lol. I went to check my credit and with Expirian (NOT THE OTHERS) they stated that I was deliquent in the payments on the house I owned and that I owed back child support. I dont own a house, never have and I don't even have kids!!!
Experian's National Consumer Assistance
Phone: 888-397-3742
P.O. Box 2104
Allen, TX 75013
Call them and write them and let them know what's up. I know you said your having a hard time actually talking to a real person, keep trying, I had this problem too. Keep calling till they get sick of hearing from you. Write the same letter and mail it out and keep doing it until something is done.
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