3 Credit Bureau Report – Free Score

serious questions asked:


I need to know my credit report just so I know where I am at however, I do owe 1 creditor money. I don’t want my phone going off the hook and being harassed by creditors. Will they somehow get my new info and start harassing me?
Thanks! I am using annual credit report

Lloyd

Tcabe asked:


I filed bankruptcy in October 2000 and had it discharched in march of 2001. Receintly I got notified thru equifax that each line item that was under bankruptcy was not listed as “included in bankrupty”, and showed delinquincy and high balances, etc… I called each creditor and asked why they changed this and they had not idea what I was talking about. This info was old to them and they did not initiate these changes. I asked for an investgation thru equifax and they instisted right away it was correct. My credit score has just plummeted after working so hard after 6 years to work it back up. How can this be just changed, even with proof of a bankruptcy right there on my credit report?

Lewis

happy asked:


I am facing a situation with a Credit Bureau – Equifax. It is regarding my personal information being updated incorrectly on my credit file they have. After providing them the proof of my correct date of birth, they did change it to the correct one on July 12, 2007. I noticed effective July 24, 2007 it has been changed back to the incorrect one that I disputed earlier. Upon my calling Equifax I was informed that they will change my personal information based on the report they receive form their member creditor(s).

My concern is that they rely more on their member creditors than the proof that was provided to them for my correct date of birth. I wonder if Equifax, and other credit bureaus for that matter, would do the same for any personal information.

I would appreciate any suggestion you can provide on how to handle/deal with this problem.
I have already provided them copy of my DL and they did change it to correct DOB on July 12, 2007. But I was told by Equifax today that based on a member creditor’s report they changed DOB back to the incorrect one. I unsuccessfully tried to have them explain to me that why they rely more on member creditor’s report when they have proof of my DOF in heir files. It was VERY frustrating. They won’t tell me which creditor reported wrong DOB, instead they suggested that I should call ALL the creditors I have/am dealing with.

Timothy

Mary M asked:


I received one negative report and all the others A1 because my ex-husband defaulted on a card where I was listed as an authorized user. What are my options? The rest of my credit is unblemished.

Leonard