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Anonymous
Premium
join:2004-06-01
IA
 ·Mediacom
| Yes but he is not using it. That's the part I don't understand. We have different SS #s but for some reason his SS # is never found in their database!
We're 24 years old and he can't get any loans at all because they have absolutely no info about him.
I'm worried because even though my score is decent I was able to get a car loan with 8.54% interest rate.
BTW until recently we had cell service with US Cellular and that was suspended because of fraud. It turned out they thought someone had a fraudulent account even though we both pay on time. My brother cleared that mess and got his service back but I switched because I don't want to get that problem again.
I'm sick of it to be honest, our bank keeps messing our deposits. His money gets deposited to my account and vice versa. And even though we are extremely careful when giving out our info and making sure the clerks get it right, probably 5 out of 10 times someone makes a mistake. | |
| | lhamp
Premium
join:2000-02-20
Stone Mountain, GA
clubs:
| Re: Wrong Credit History Info Try this site. www.clarkhoward.com.
Clark Howard is a consumer guru here in the Alanta area. He has a radio show broadcast nationally. I don't know if you get it in your area, but check. If not go the site. I'm sure there's something there regarding your problem, as it is a common problem with people with the same names. He's amazing in the problems he or his staff can solve for you. There's phone numbers listed to contact them.
Best of all his advice is free! If he can't solve it for you, nobody can. | |
| | 
eatatjoz
Premium
join:2002-06-16
Mayflower, AR
| Try this guy: »/profile/444113
He's a collection agent, and seemed like a reasonable and knowlegeable person the other day when I offended him. (something I should have kept my mouth shut about)
Anyway, he seemed to know his stuff, and commented that he liked to help with this stuff.
Good luck,
Credit problems can get to be a real PITA, if they're not taken care of correctly. | |
| | 
Redawg81
T3h N3wb
join:2001-08-04
Jacksonville, FL
clubs:
| TY Joes I appreciate the word of mouth.
First thing first Anon. Exactly how similar are your names ie First 2nd and Last names.
90% of all errors on your credit usually come from mis-typing or human error.
Do or have you and your brother delved into a financial venture together? Car Apartment, even cell phone?
This should be a resonable fix I would suggest you contact the above mentioned credit agencies, more then likely they will want you to submitt the change via writting or even have it notarized, this should be a very simple process and you should really have no problem doing it.
Now to answer your question, about it hurting ur score.
you have almost nothing to worry about it affecting your score unless your brother is using your Social Security Number when it all boils down thats what really counts. Potential creditors dont look for you by name they do so by SSN, and the fact that his name is similar would look to them as a typo, none the less dont neglect updating your credit, I typed this and am too lazy to chage my question about financial venture this my friend is where it probably originated.
Lil tid bit most people dont know and this will explain why one bureau will have a different employer then another i.e. TransUnion will have a diff poe (place of employment) then say Equifax Some companies only order from one bureau, and not all three, some will only update one bureau and not all. Major purchases like house or car tend to lead to the tri-bureau report this is the most accurate, and defines the potential borrower a lil better.
Hope I have helped in anyway I could if you need more clarification feel free to ask, even though people may think we (Bill Collectors) are bad people some of us do honestly like to help.
R3d
--
Why can't I decide why my feelings I hide? Always screwing with my mind, a thorn in my spine. Oh sure, it feels fine, wasting all our time. In the back of my mind, a thorn in my spine.We are the Children Of the KoRn. | |
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MsStress
Blah, Blah, Blah
Premium
join:2004-09-05
USA
| You both need to pull your credit reports. Once you get them, go through them and make a list of what is yours and what is his. Submit this information with a written explanation and proof of ID (both of you).
Before sending the *corrections* back to the credit bureaus call them and *briefly* explain the situation. Get the name of a contact you can submit the paperwork to and keep their name for future follow ups.
It may take a few months to clear up but it will be done if you're organized and follow up. | |
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Anonymous
Premium
join:2004-06-01
IA | Thank you all!
This is probably going to take a while but at least it can be done  | |
| | | 
Brat75
Cats rule
join:2003-02-05
Auburn, WA
| To clear any discrepancies you need proof of person.
Let's say your credit report shows you having an account at JCPennys, when your friend opened it up.
The database may have glued it to your name by address instead of social.
So, to prove you have no such thing, you need to get some written statement from a company stating you are not their customer..or that you ARE!
Like proving exact address: use utility bills in your name.
Proving loans opened: get letters from managers or credit departments.
Proving loans closed: get closing statements.
Take a look at both your last names, your ssn digits AND your CC #s- how far apart are they?
Be careful, be thourough and be diligent...it takes a long time to clear things like this up, but they're worth fixing.
Brat75
--
I sometimes feel that I'm playing hockey, and God wants to throw me a curveball. | |
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. For years he was not able to get any credit history for some reason 
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