Comments on: Common Credit Report Errors

By: Omie

Omie — Thu, 01 Jan 1970 00:00:00 +0000

Can you give the name of the shops that put my name at credit berue.

By: Nicole

Nicole — Thu, 01 Jan 1970 00:00:00 +0000

Does it count as an error on a credit report if there are accounts turned to collections that have actually been paid years ago? When my husband and I were applying for a mortgage, he got turned down because he had supposedly unpaid medical bills–from when he was 19. His parents insurance should have covered the charges, but his mother cannot find paperwork from that far back (my husband is 30 now). The collections agency hasn’t even been helpful when we contacted them for more information. Can we dispute the collections notice on his credit report even if we can’t prove the account was paid?

By: RBJ

RBJ — Thu, 01 Jan 1970 00:00:00 +0000

Well…based on my schedule, it was time to check my credit report this weekend. I’m now 2 for 2 finding errors on my credit report with a specific agency (not named).

In 2008, it was an unpaid bill with a company that I’d never used, for a residency 1000+ miles away. Disputed and cleared.

In 2009, I’m named the losing defendant in a lawsuit for $5k. The court house is in the city where I live. The defendant and I share the same last name and 1st initial. I guess that’s close enough for those editing the reports at the credit bureau. Remind me again what SSNs are for…if the gov’t is not going to use them (had a previous issue with DMV not using SSN). Anyway, the online dispute has been launched and hopefully will be removed/cleared soon.

This just goes to show how important it is to review your credit report on a regular basis.

By: PT

PT — Thu, 01 Jan 1970 00:00:00 +0000

Thanks for your comments everyone. The giveaway is now over. Jules, you are the big winner. I’ll email you shortly to get your address. Thanks!

By: RB

RB — Thu, 01 Jan 1970 00:00:00 +0000

I work with credit scores all day long, and find mistakes everyday! It’s often amazing what is on there that a consumer has no idea about. Making the corrections and going through the hoops to do such is so important. A good credit score can really go a long way!

By: Bible Money Matters

Bible Money Matters — Thu, 01 Jan 1970 00:00:00 +0000

We had someone in our Financial Peace University class pull their credit report after one of the lessons, and ended up finding some fraud going on with an account they didn’t know had been opened. They were able to get it cleaned up, but scary stuff.

By: Jules @ Lovely Las Vegas

Jules @ Lovely Las Vegas — Thu, 01 Jan 1970 00:00:00 +0000

Definitely need to check my report out! My husband just pulled his report and found a major error on it! Mine shouldn’t be too detailed, but I am especially concerned about it now.

Would love the book to learn more!

By: PT

PT — Thu, 01 Jan 1970 00:00:00 +0000

Good point about the score. Hey I’m reading Ramit’s book right now too. Good stuff. I plan to do a review at some point.

By: RBJ

RBJ — Thu, 01 Jan 1970 00:00:00 +0000

I’ve yet to get my score, but plan to do so soon b/c I plan to apply for a loan in the near future. I’m more concerned with keeping my record clean than I am concerned about my actual score. Also, I’ve read where the scores vary per “score keeper,” and lenders use different “score keepers,” so I’ve yet to pay for my score.

Ramit discusses some good points and options around FICO scores in his recent book (I Will Teach You To Be Rich). I plan to use his advice.

By: MK

MK — Thu, 01 Jan 1970 00:00:00 +0000

I do the same thing as RBJ. Every 4 months I pull one of the free credit reports just to make sure things are running smoothly. I also have an account with CreditKarma that i check a few times a month just to make sure there are no drastic sudden changes within those 4 month periods between reports. Give me peace of mind for sure!