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I was looking at my credit reports today, and I noticed something odd on my EQ report. My date of birth has the wrong month. I was born in October (10) and EQ has my birth month as January (01). It is clear what happened, whoever input my data simply transposed the digits, turning a 10 into a 01.
That being said, it might also not be that simple of an error. Perhaps there is a tradeline that has January (wrong month) in my DOB and EQ updated my information on that tradeline's reported DOB.
Either way, this seems like an opportunity. Correct me if I am wrong, but if tradelines are disputed based on a "not mine" approach, could a mismatch in DOB be significant?
Just called to get paid copies mailed. The other two went fine, asked for payment and gave confirmation number. Trans Union just said it was "processed" and I'll get it in bla bla business days. I got free reports on 12/25, are they just sending me that? I tried to call to talk to a rep, but not open again till 8:30 monday.
I have a traffic violation in TN (tags expired) from about 6 years ago. I just received a letter from a law office and the letter starts like this..... "A judgment for the above referenced amount has been taken against you for an unpaid citation. The judgment has been referred to this office for enforcement..... If we do not receive payment in full or an arrangement for payment, we are directed to follow the necessary and appropriate procedures to collect this judgment including garnishment or your wages and sale of your non exempt assets." Then the letter goes into your usual 30 day dispute the validity blah blah blah...
I'm not sure if they're using their own wording but there is no judgment for this ticket. I went downtown where they record judgments and there is nothing recorded. Can anyone give me insight on this?
A few weeks ago I started the initial dispute process for 3 medical collections that I discovered on my CBR from 2009 and 2013. Although I have not received an official response via mail from TU, I just logged in to my Credit Karma account and saw that one collection (reported by Central Financial Control) was updated on 12-26-14 as CLOSED. At this point, should I patiently wait for the mailed response to my dispute from TU or should I proceed with the next step and send the dispute letter to Central Financial Control now?
I know for a fact the account reported by CFC is invalid because a totally different CA is reporting the same account on both EQ and EX. Any advice will be appreciated!!
Hello everyone. Happy Holidays. I received an invitation to apply for the Chase Slate card. Applied and received a decline. The decline is based on my TU, per the decline letter. I had no baddies, until Ocwen started reporting a mortgage that I lost in 2008, and stating that I was late in 2013, but now its current. I don't know if I should call chase and if i do, I don't know what to say. any advice?
One or more accounts are not paid as agreed
Length of time since oldest credit card was opened is too short
Length of time since newest account was opened is too short
Too many accounts opened in the past 12 months.