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 Posted: Tue May 23, 2006 12:35 pm Subject: how important are the address in your report |
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I have quite a few incorrect address on my report (wrong spelling, wrong number, places I haven't lived). How important is it to dispute these items? Is it worth sitting on hold for hours it seems to get those removed from my report?
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Ehwin
Joined: 11 Apr 2006
Posts: 147
Debtcc Points: 3927
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| Posted: Tue May 23, 2006 12:43 pm Subject: |
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Hi Ehwin
Your personal information should be updated in your credit file. In most cases, the errors occur in the credit file due to two reasons. Either the bureaus have mistaken you for the other person with similar name and put it in you file. Another reason of this wrong reporting is a possibility of a fraud. This is a serious issue because someone tried to gather your personal information to get new credit. Instances of identity theft are increasing. This may not be the case with you but your file must give the accurate information about you. If you do not correct it now, some creditors will come to you with the accounts you never opened. They will assume you to be the person using credit from them. So, your file must be updated with accurate info.
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Gretchin
Debt Samaritan
Joined: 18 Feb 2006
Posts: 498
Debtcc Points: 8504
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| Posted: Tue May 23, 2006 12:44 pm Subject: |
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 I was going to ask that very thing!
_________________
My Independence Day from Pay Day Loans Was July 3rd 2006!!
~Dana
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dcashwell3
Moderator
Joined: 23 Mar 2006
Posts: 389
Debtcc Points: 5506
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| Posted: Tue May 23, 2006 12:50 pm Subject: |
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Thanks Gretchin!
I just got off the phone with Experian - once they finally connected me with someone who could help - it was VERY painless. Most of the issues they were able to correct or delete, but a few I'll need to contact the creditors on. That wasn't as hard as I thought it was going to be!
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Ehwin
Joined: 11 Apr 2006
Posts: 147
Debtcc Points: 3927
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