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SparkPoints: (190,905)
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Posts: 37,398
9/15/13 9:01 A

I get my free credit report every year and you have to be proactive as there are places on mine that I never lived. so I'm a disputer of everything that I do not recognize, some I do and dispute them anyway! You normally receive a letter from the company on the status and you can even track it yourself. It takes a minute however well worth the time and effort. emoticon emoticon emoticon emoticon

SparkPoints: (49,334)
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Posts: 2,969
9/15/13 8:04 A

What a nightmare for you. My credit report has always been accurate, but I'm currently struggling with a hospital bill that was paid by my insurance company, but the hospital has turned it over to a collection agency for payment - this has been going on for 2.5 years. Each time I think it has finally been resolved, I get another notice. Good luck getting your problem resolved....

SparkPoints: (20,819)
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9/15/13 7:16 A

I have had my free credit report, but I have not found any errors. I would imagine it takes at least 3 months for the error to get fixed after you start the dispute. Good luck!

SparkPoints: (75,151)
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9/14/13 10:17 P

We have never [thankfully] had an error. However I have heard of people who had the same name as someone else and the other person's BAD credit was put under their name. Google it. You should find what you need.

SparkPoints: (212,062)
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Posts: 11,598
9/14/13 1:52 P

I'll restate my original question: Have you ever received your 3 free annual credit reports and found an error? If so after disputing the error, was it successfully and easily removed? Do you have a credit report horror story?

SparkPoints: (8,170)
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Posts: 58
9/14/13 12:26 P

You will have to contact each credit agency, Experian, Transunion and Equifax and dispute the charges to have them removed from your credit report. You can start a dispute online if you go to each credit agencies website.

SparkPoints: (212,062)
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Posts: 11,598
9/14/13 11:41 A

no it's not a chain I ever heard of and the transaction is a write off of over $7,000. I never borrowed that. I think is just someone with my same common name that got their report mixed with mine. I don't shop on the internet.

Posts: 11,758
9/14/13 11:31 A

is the company a chain and the credit transactions handled by the HQ office (in another state).
That is one possibility.
It's a good idea to keep your transaction receipts filed (even if it means printing a copy of your internet transactions)

SparkPoints: (212,062)
Fitness Minutes: (87,276)
Posts: 11,598
9/14/13 8:57 A

Have you gotten your free once a year credit report? If so, is it accurate? Have you ever tried to get mistakes taken off? I'm definitely having trouble with mine. They list transactions that have happened in a state I have never even been in!

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