683 People Helped
Member Since: July 2012
As I posted previously I've been contacting the various credit agencies and individual companies to clear up inaccuracies on my credit report. Well TransUnion is the first to respond, however the response if very scary. In my mailbox was a brown envelope, the address listed was mine and on first glance the name on the envelope looked to be mine so I opened it. Inside was a CD from TransUnion. I didn't know what that was about so my attention became more focused on what I was holding. Turns out the envelope and the name on the CD was NOT mine (very similar but NOT mine). Nice...so not only has TransUnion sent me information for someone who is NOT me, they more than likely sent MY information to this individual who is NOT me. Thanks TransUnion...glad you believe you are diligent enough to keep watch over the nations credit, which grants you access to the nations vital statistics. FANTASTIC! Ohhh and thanks for allowing me the opportunity to open someone else's mail! Just Great! I'm sure if I finally do get through to a human at TransUnion they will be sure to let me know that I committed a federal offense as a way of deflecting blame for their error in sending me someone elses credit information and possibly sending my credit information to someone else.
pokedbear's response was:
I'm going through the same thing right now. I not only sent a letter to the 3 credit agencies I also sent the same letter to the credit card/loan company as well. In the letter I let them know that I never applied for this credit card/loan and I demanded that they forward ANY documentation to me bearing my signature, etc. so I could investigate further. I'm not sure how it will work out but I figure if they have some sort of "real" signature, I've got plenty of signed "legal" documents showing what my signature really looks like. If they claim it was a phone authorization I've requested that those transcribes be sent to me (since all of these companies are sure to let you know that the call is being recorded for "quality assurance". I'm not sure yet how I can disprove a "verbal" authorization but if that's what they claim, I'll google it and see what I can find out about disputing. If it was an online application/signature I requested that they provide me with the IP address of the signer...I don't know how that works but apparently the IP address can be compared/traced. Anyway, I'll let you know what happens. Whether this will work for me or not I don't yet know but I do know that DOING NOTHING doesn't work at all so I'm trying as opposed to just complaining about it.
pokedbear's reply was:
Just beginning to clean up my reports. I don't know if it worked yet but I wrote to all 3 credit agencies and the revolving credit accounts in question that have been closed since 2004 or prior. In my case a few are in "negative" sections of the report yet my records and even according to their status as well as the 81 month history show pays as agreed. None of them show a balance due and all of them show that they were closed by either me or the "credit grantor" in 2004 or prior. I requested that they all be removed from my report but if they can't be removed I wanted to know why. Also, if I don't disputer why they can't be removed I am disputing their placement in the "Negative" sections of the reports. We'll see what happens. It is interesting to look at how all the "store" cards that I really thought I needed to have so many years ago and just plain old stopped using is hurting my credit. Like I said, I don't use them and haven't used them in years. I don't owe anything on them yet they count against me...even if I can't get them removed but do get them put in the "good standing" or "closed accounts" sections. Crazy!
To begin, CreditKarma is just kinda a summary of all credit issues; they give you the heads up about issues but it's up to you to do the leg work...meaning find out who the company is and how to contact them. If it is showing up on CreditKarma then it's time to get your free credit report from freecreditreport.com. The FULL information about CME will be provided on the reports (mailing address, phone number, account information, etc.). You will be able to contact them then. If this is new and you've already gotten your free credit report for the year, then do a google search and see if you can find demographics for CME that way.
jsorrell84--unfortunately I don't think alot of the people on this site realize that they are only looking at a "snapshot" of their credit. CreditKarma is just providing them with potential items that may be affecting their credit but it is up to the individuals to take that information and expand on it, correct it, etc. That can only be done by writing to the companies involved. I will admit that now that I have all 3 credit reports in hand, CreditKarma has a piece of information regarding my credit that does not make sense and that does not show up on any of the credit reports...so, instead of posting on this site, I clicked on "CONTACT US" and I wrote to CreditKarma regarding information that I feel they are posting incorrectly for me.
If you are not going to pay the debt, I suggest bankruptcy or contact an attorney ASAP. If an agency bought this debt, they more than likely are going to pursue more adamantly than the original creditor. These agencies buy the debt for about 10 cent on the dollar so they can afford to take you to court and get a judgement. A judgement mars your credit even worse than a bankruptcy. Just be careful if you choose to payoff the debt. Make sure the original creditor acknowledges the debt as paid or sold and the new creditor does the same.
Hey cooper, I'm not sure what state you are in but I can tell you that the CS agency in my state is brutal. My husband has NEVER been in arrears with CS, in fact in 2005 and again in 2008 he received credits for "overpayment". As of January 2012 he once again has "overpaid". However, if you look at his credit report under current NEGATIVE accounts, the CS agency is the first on the list. Why? Because my husband (as most americans) gets paid "1 week behind" so according to the CS agency he will always be "1 week in arrears". We've written to the credit agencies and the CS agency about this twice before and it came off the report for a short while then goes back on. After 2008 we thought we got smart and paid 2 extra weeks so he wouldn't be "1 week behind" anymore. Well as stated, the CS agency shows that he is "overpaid" and a credit should be due him. Yet his credit report shows otherwise. He did speak with someone in the CS agency and they once again gave him the spiel about being paid 1 week behind. He pointed out that since 2008 he not only paid the 1 week behind which always put him in arrears, he also paid 1 week ahead. We have the records and the agency also has the overpayment correctly documented. So the CS agents response to my husband when she conceeded that he was right and he requested that she contact the credit agency to correct the error made by the CS agency ...."Well sir...don't you want to provide for your children?" What the hell!!!!!! So he just sent the "dispute" letters out again and as happened in the past, the NEGATIVE account will disappear for 3 or 4 months; then it will be back on again.
Hey lasmooth, if you rent a home sometimes the owner/landlord require that you pay the water and/or sewer bills. These ARE considered "tax bills". We had a situation a few years back when the town we were renting in required that OUR name be on the water/sewer bills since we were paying them even though we didn't own the property. Thankfully, when it came time for us to move we settled up the account and requested IN WRITING that our names be removed from the bill since we no longer resided at that address. This letter went to the water/sewer agency, our landlord and the local township office certified mail (thank god we spent the money on that). Sure enough a few months later the NEWEST water/sewer bill arrived in our name at our new address. Copies of everything was sent to all parties (again certified mail) and my husband received a call from the water/sewer agency a few days later apologizing for the error and told him it was all taken care of. He got a name and reference number from the person he spoke to and another cerified mail went out summarizing the phone call and asking that if we didn't have our facts correct to notify us immediately. No notification was received but the next quarter the bill arrived at our home with the LANDLORD"S name on it. Another certified letter and another apologetic call and another follow up letter verifying the phone call and finally that was the last we've heard from anyone in about 2 years. You may not own the property but if you are supposed to be paying the water/sewer or the property taxes then that lein may be placed on you even if you don't own the home.