Comments on: Credit Bureau?

By: peggy m

peggy m — Sat, 28 Nov 2009 05:14:04 +0000

I am facing something similiar. I applied for a car loan for the very first time in my life and was denied because the information I provided was inaccurate based on my credit report…..ditto when I tried to get the report on-line. I sent off the required paperwork with photocopies of the ID proof they asked for and now I wait for their response. I never had the need to see a copy of my credit report before this last week. I always thought I didn’t have credit, thus no report. How WRONG an assumption on my part!

By: OC1999

OC1999 — Fri, 27 Nov 2009 00:03:34 +0000

Basically these companies are just a reporting agency. They assume that the latest information is the correct information. So if you had to have your birthday fixed, if someone sent in an incorrect birthdate AFTER your fix theirs would be assumed to be the new correct information.

The difference in birthdate is not effecting your score, it might effect being able to get credit as if someone compares birthdates your appliciation might get denied. Unfortunatly what you are going to have to do is look at the items on your credit report and contact each of your active creditors to see which one has the incorrect birthdate. You would then have them fix their records.

By: Ask M

Ask M — Wed, 25 Nov 2009 15:09:01 +0000

send them a copy of your driver’s license with your picture
on it and tell them, if they change it to the incorrect date
you will have no choice but the sue them for 1000.00
for violation under the FCRA., and file a complaint
with the Federal Trade Commission