Need Credit Report Now
2010
How can I correct something on my credit report?
My mom put a bill in my name that was in no way my bill. I do now know how to go about correcting this. The bill has been sent to a collection aggency and is now being reported on my credit report. Do I need to call the creditor? the collector? or the credit buraou to correct this? Thanks!
Well crap, I don’t want to charge my mom with identity fraud. True I’m mad about it, but not that mad. If she is in no way tied to the account, and I don’t mention that she did it, what is the likeliness that she will be charged for it? I know this is a vague question to be asked, but is there any way we can just transfer it into her name? I probably sound really stupid, but I appreciate your patience.
Okay, I don’t want to charge anyone with identity fraud. I just want this off my credit. And yes there is a double standard. I know it isn’t fair, but that is just how it is.
There are a lot of good answers above with some correct information. Here are the steps you will need to do to get this corrected.
** You may be considered a victim of Identity Theft. Almost all cases of ID Theft involve a family member. I will address how to resolve this later.**
There are a few steps you must take to get your report updated.
1. You must request a copy of your report directly from the credit agency.
-You can do this by getting your Free Credit Report from the Federal Trade Commission at www.ftc.gov
– If you have applied for credit in the last 30 days you are entitled to a free copy of the report.
– You can pay for a copy of your report directly on the credit bureau sites.
2. You must complete a dispute. You can try to dispute the information online with EACH of the 3 agencies. If you need to send them documentation then you will need to write a letter explaining the information to be corrected/removed along with a copy of your documents.
3. The credit agency will process your request and send you a revised copy of your report reflecting the changes with in 45 days of the dispute. (The creditor has 30 days to verify the information is correct as reported or the info is removed. Then a couple of extra days for mailing stuff)
4. Contact the creditor – ask for a copy of the application or what ever was used to set up the account. Inform them that you did not open this account and are trying to resolve it.
5. When the collector calls let them know you are disputing the account, because it was not opened by you.
6. If the account can not be cleared in the above fashion you will have 2 choices:
i) Pay the debt your self and be done with it.
ii) File for ID Theft.
**Identity Theft**
1. You must file a police report. Yes you would have to press charges against your mother. This is why most cases are just left and paid by the victim.
2. Put a freeze on your credit. Before anyone can pull or issue credit they will have to contact you by the phone # you provide on the report before they can proceed.
3. Add a consumer statement to the collection. This is a statement that can be added to the report to explain to the person looking at it the situation. This is done through the credit bureaus.
3. Wait, wait, and wait some more.
If the bill is small I suggest disputing it first. If it doesn’t go away then pay it.
Put a freeze on your credit.
If the bill is large and you can not pay it – Your only option is to file for ID Theft.
If you have any questions feel free to contact me.
~Danke Schoen
Nathan Ellis
MrDankeSchoen@yahoo.com
925-250-6067
Here is the contact info for the 3 agencies:
Equifax Information Services, LLC
P.O. Box 740241
Atlanta, GA 30374-0241
800-685-1111
www.equifax.com
Experian
701 Experian Parkway
P.O. Box 2002
Allen, TX 75013
888-397-3742
www.experian.com
TransUnion
P.O. Box 4000
Chester, PA 19022
866-887-2673
www.transunion.com
For more information on credit visit Fair Isaac’s(They created the credit score) site www.myFICO.com
~Danke Schoen
Nathan Ellis
MrDankeSchoen@yahoo.com
925-250-6067
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