Posted on: 05th Feb, 2008 04:08 am
I've recently applied for a credit card with a bank. But they've reported that the SSN that they have received from Equifax does not match with my actual SSN. What I think is, SSN has somehow mixed up the last 3 digits. So how do I correct this? I even tried to get a copy of my credit report online but didn't get it because my SSN wasn't matching with the one Equifax has. I even tried to send the agency a letter requesting them to fix the error and added a copy of my driver's license and SSN card. But I need to fix it asap. Is there anyway I can make it fast?
Well, If the no. doesn't match then how do you know it is indeed your report? I tried to get a copy of my hubby's report and they kept saying they could not find it.
calling each of the three credit respositories ought to give you sufficient information on how to proceed.
call equifax at 800-685-1111
call trans union at 866-887-2673
call experian at 888-397-3742
i would have to surmise that speaking with a live human being from each of these agencies ought to give you the information you need to take the appropriate corrective action.
call equifax at 800-685-1111
call trans union at 866-887-2673
call experian at 888-397-3742
i would have to surmise that speaking with a live human being from each of these agencies ought to give you the information you need to take the appropriate corrective action.
Sending the letter may be the only option to fixing this.
You will need to send a letter stating the problem, and sending a copy of your drivers license/passport WITH a copy of your social security card.
Make sure to send to all 3 bureaus, and in the letter ask them to send a copy of the current credit report to insure it has been changed.
You will need to send a letter stating the problem, and sending a copy of your drivers license/passport WITH a copy of your social security card.
Make sure to send to all 3 bureaus, and in the letter ask them to send a copy of the current credit report to insure it has been changed.
You'll need to send everything certified and keep on them. Be sure everything on your report is YOURS and someone isn't trying to use your identity which is very common. It's also possible and very common for agencies to just search for a name and insert credit lines, rather than using ssn.
Don't expect much help on the phone, ESPECIALLY with TransUnion.
Don't expect much help on the phone, ESPECIALLY with TransUnion.
Since when do PO Boxes accept certified letters?
Sending 'certified letters' are for original creditors as they provide a physical address.
Sending 'certified letters' are for original creditors as they provide a physical address.
I hear alot about tranunion not being much help. Where does that leave a person to turn in a matter like this. I thought that is why these places was there for. I usually read my eport through equifax. I find it a little easier to read.
Is that so? well I don't have much experience with Trans Union, aren't they helpful enough. If they don't help, then how would a person fix errors in the credit report.
Its probaly gonna be a long battle. With the way identity theft has taken off everything that involves a socoal security number is getting more complicated. M y son needed a new social security card and i came close too not getting him one because I didn't have the exact documents they wanted. That is a long story. Sounds like the OP is gonna have some hassle correcting this one. It can be corrected...with a lot of patience. Hope it all works out.
You will need to contact the three credit bureaus and inform them of the mix up. Send proof of your identification such as your drives license, passport and a copy of your social security card so they can correct the error. I would also suggest that you get a copy of your credit report and go over your financial activities one by one. Make sure that all of the activities listed in your report are yours to make sure that no one is using your name or your social security card number illegally. Identity theft is very common nowadays and you can never be too sure whether your identity is safe. Thus, avoiding identity theft is very essential to protect your credit.