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<blockquote data-quote="GoingNorth" data-source="post: 702096" data-attributes="member: 1963"><p>I have a woman who's first name is the same as mine except for one letter; she has the same middle initial and the same last name. Better yet, the first 5 digits of her SS# are identical to mine.</p><p></p><p>She first showed up on my credit report shortly after my husband reported to his first duty station in 82. Every few years, her records get merged with mine. She has HORRIFIC credit! I checked my FICO scores today while paying my bills and noticed a 175 pt drop<!>. I promptly called the three agencies and found out that this time she had only been merged into one agency's report. They went back through nearly 40 years of history and found the many times this has happened. This time I didn't have to wait for them to send me paperwork to contest the entries, etc.. They removed them while I was on the phone, and said they will send an update to my creditors. Hopefully the correction will propagate through their systems before everyone pulls FICO scores for Nov. </p><p></p><p>Otherwise I'm going to have hassles with interest increases and possible credit line decreases.</p><p></p><p>What annoys me the most about this is that this started in 82, back when credit records were kept in paper files. It should've been caught when the agencies computerized and those paper files were entered into the databases. Instead digitalization just made it easier for the error to recur every time databases are purged and updated.</p><p></p><p>All I know about this woman is that she has defaulted on cars, mortgages, credit cards, and personal loans. I also know her name and that she was born in the same neighborhood in Chicago on the same day and year I was.</p><p></p><p>So...check your scores OFTEN. If anything weird shows up, get with the angencies ASAP. Usually errors can be fixed. I worked very hard to work my way up to the excellent credit scores I have today, and I get very upset when I see a huge drop in my scores.</p><p></p><p> </p><p>Make sure your children check records as well, estranged parents can steal children's identities. It happens all the time.</p><p></p><p>Also check legal records. When I went to rent my apt, a pot bust from 78 that had been expunged from my record showed up on the criminal background check. Took paying a lawyer to get that re-expunged. Luckily, I was still able to rent here.</p></blockquote><p></p>
[QUOTE="GoingNorth, post: 702096, member: 1963"] I have a woman who's first name is the same as mine except for one letter; she has the same middle initial and the same last name. Better yet, the first 5 digits of her SS# are identical to mine. She first showed up on my credit report shortly after my husband reported to his first duty station in 82. Every few years, her records get merged with mine. She has HORRIFIC credit! I checked my FICO scores today while paying my bills and noticed a 175 pt drop<!>. I promptly called the three agencies and found out that this time she had only been merged into one agency's report. They went back through nearly 40 years of history and found the many times this has happened. This time I didn't have to wait for them to send me paperwork to contest the entries, etc.. They removed them while I was on the phone, and said they will send an update to my creditors. Hopefully the correction will propagate through their systems before everyone pulls FICO scores for Nov. Otherwise I'm going to have hassles with interest increases and possible credit line decreases. What annoys me the most about this is that this started in 82, back when credit records were kept in paper files. It should've been caught when the agencies computerized and those paper files were entered into the databases. Instead digitalization just made it easier for the error to recur every time databases are purged and updated. All I know about this woman is that she has defaulted on cars, mortgages, credit cards, and personal loans. I also know her name and that she was born in the same neighborhood in Chicago on the same day and year I was. So...check your scores OFTEN. If anything weird shows up, get with the angencies ASAP. Usually errors can be fixed. I worked very hard to work my way up to the excellent credit scores I have today, and I get very upset when I see a huge drop in my scores. Make sure your children check records as well, estranged parents can steal children's identities. It happens all the time. Also check legal records. When I went to rent my apt, a pot bust from 78 that had been expunged from my record showed up on the criminal background check. Took paying a lawyer to get that re-expunged. Luckily, I was still able to rent here. [/QUOTE]
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