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Posted: Sun Dec 09, 2007 3:34 pm Subject: Cannot get a free CR online

I went through annualcreditreport.com to pull up my reports today, because I'm planning to apply for a loan next week. Seems like a simple task, right?

So far, Equifax says they can't provide the report online 'for my protection'. OK... I don't have a fraud alert or security freeze on my file to my knowledge. On to the next likely source, TransUnion. TU wants me to confirm my identity using address history, account numbers, and SS number. The last two, no sweat, but for my address history they list three possible addresses, and I've never lived at any of them! Anybody know how to get ahold of a real, live human at TU, rather than that automated phone nightmare they use?

Posted: Sun Dec 09, 2007 5:26 pm Subject:

Update:

I did eventually get a report from Experian. They still have my ex-wife's name listed!!! Been divorced since 2000! And they still show me working for my old company [that the ex got in the divorce].

I disputed the 'spouse/coapplicant name'. Not certain what to do about the employment. I've been with my current employer seven years this coming Wednesday. You'd think somebody at Experian would've gotten a clue.

Posted: Mon Dec 10, 2007 5:49 am Subject:

Well first of all unc, did TU also give u the option of saying none of the above in ur address history? If so, try that. I can't remember which one but when i pulled my report in April i had to call one of the bureaus and they asked a few questions then ok'ed it for me to see it online. Usually they'll give u a phone number to call cust service.
Now about Exp. u need to update ur personal information and use ur current employer.
Hopefully that will take care of that!
Very Happy

Let me know if u have any other questions,
Ang

Posted: Mon Dec 10, 2007 5:50 am Subject:

Also wanted to say, one of the bureaus had my previous address listed as my husband's place of employment address. Question

I don't recall EVER living there! Smile

Ang

Posted: Mon Dec 10, 2007 6:35 am Subject:

You need to dispute it with them ohhh... dont forget the information provider

Best of luck
Nelly

Posted: Mon Dec 10, 2007 8:54 am Subject:

Ok you will not be able to get reports online due to a address conflict. Send them a letter with a copy of driver's license,social security card,and a utility bill for proof of residence and tell them to mail you your free annual report. In your letter also tell them to update your profile with the provided info so you can access them online.

Posted: Mon Dec 10, 2007 4:31 pm Subject:

Posted: Mon Dec 10, 2007 4:38 pm Subject:

Posted: Mon Dec 10, 2007 5:35 pm Subject:

The addresses usually are crazy.

I had an address in Cleveland Ohio listed for one of my previous addresses. I've never lived in Cleveland. I had to whine and argue to get that taken off.

The information provider usually isn't listed on there...At least in my experience. I had to drag it out of Experian during one of my b*tch fits. Smile

Posted: Mon Dec 10, 2007 5:50 pm Subject:

Posted: Mon Dec 10, 2007 5:58 pm Subject:

Posted: Mon Dec 10, 2007 6:02 pm Subject:

Yeah...That's one of those fits where there is profanity involved and asking to speak to someone who knows what the heck they're doing to tell me how I can have an address in Cleveland when I've never even BEEN there.

Posted: Mon Dec 10, 2007 6:27 pm Subject:

If you and I ever meet face to face, please remind me to be really nice to you.

Also, I've been to Cleveland lots of times. You haven't missed anything.