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guestHI
Guest






Subject: personal information
 
Posted on Fri Feb 22, 2008 11:30 pm  

How to remove wrong personal information from my credit reports, i.e. wrong names, addresses, ssn etc ? any suggestions? sample letters? thank you
diem



Joined: 20 Feb 2008
diem's page
Posts: 82



237 Magic Points

 
Posted on Sat Feb 23, 2008 4:00 am  

Wrong names, addresses, and ssn? Are you sure your not a victim of some nasty foul play?

That said, you can go into the dispute process to remove names and addresses. Please realize, if any tradelines are connected to those deleted addresses, you will lose them and they will be lost from your credit file.
Morningstar

Morningstar

Joined: 17 Apr 2007
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Posts: 576



11 Magic Points

 
Posted on Sat Feb 23, 2008 8:43 am  

Directions for disputing incorrect information (names, addys, DOB, SSN...) are found on each credit bureau's websites, it takes a little bit of time, but it is not a difficult process.
_________________
I don't dream since I quit sleeping
guestHI
Guest






Subject: Re: personal information
 
Posted on Sat Feb 23, 2008 4:26 pm  

Yes, Diem, I am a victim. My close relative (who is now deceased) used my ssn and ruined my credit history. I checked my credit report and found around 7 negative entries that do not belong to me along with wrong names, ssn, addresses etc. Since it happened between 2004-2006 and the fact that the person is now deceased makes me wonder how can I clean my history. Any help? Any suggestions? Thank you guys
diem



Joined: 20 Feb 2008
diem's page
Posts: 82



237 Magic Points

 
Posted on Sat Feb 23, 2008 8:26 pm  

I'm personally not TOO experienced in that area, but I can tell you that there is hope around the corner. I believe you will need to file a police report with the authorities to even get the credit reporting agencies to consider removing the tradelines. There is a process, and I will search for it later. You might even give one a call and see what they can tell you. Your better off filing now since they are deceased as they cannot face fraud charges as they otherwise would.

I'm sorry to hear about your family loss and struggle. We all have them. Also sorry to hear about your misfortune. How long ago was this? It should all disappear after 7 years.
guestHI
Guest






 
Posted on Sun Feb 24, 2008 12:40 am  

these strange entries begin in 2004 and continue until 2006, when the relative passed away. So, it should dissapear by 2011, but I don't want to wait so long. Unfortunately I have not checked my credit report for long time as I lived overseas, and learned all these just few months ago. Would you have sample letters that I could send to the agencies or collectors? Thanks a lot
Morningstar

Morningstar

Joined: 17 Apr 2007
Morningstar's page
Posts: 576



11 Magic Points

 
Posted on Sun Feb 24, 2008 12:14 pm  

www.ftc.gov/bcp/edu/microsites/idtheft/consumers/resolving-specific-id -theft-problems.html

www.ftc.gov/bcp/edu/microsites/idtheft/tools.html
guestHI
Guest






 
Posted on Mon Feb 25, 2008 6:31 pm  

thank you morningstar! I also have several cell phone accounts opened under my name with outstanding amounts (while I was living overseas), some sent to collection agencies. how to deal with those? thanks again for your help guys!
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: credit
 
Posted on Tue Feb 26, 2008 12:22 pm  

Sorry to hear this happened. Just curious, however.......how can you file a police report if the relative is ALREADY deceased? I don't mean to sound 'rude'. I mean, of course, if someone else was using your personal info, I WOULD do SOMETHING. But, what do you do, in THIS case?
guestHI
Guest






 
Posted on Tue Feb 26, 2008 11:50 pm  

Yes, sdchargers_63 , I also wonder how to address this problem. How can I file a police report if the person is deceased?! There should be some other solution. So, maybe someone has any idea? any suggestion for me? anybody had similar situation?
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



36461 Magic Points

 
Posted on Wed Feb 27, 2008 7:38 am  

I am completely surprised and do not know what to say. But I will read on this issue and find out if there are prior cases similar to this. I have heard of ghosting i.e identity theft of a dead person, and also the medical identity theft where the thief dies and the victim is handed bills for operations that never happened to him.
_________________
Regards,
Laura.
guestHI
Guest






 
Posted on Thu Feb 28, 2008 11:43 pm  

Thank you Laura. Looking forward to hear any update from you. Any help is a great help in my case!
Morningstar

Morningstar

Joined: 17 Apr 2007
Morningstar's page
Posts: 576



11 Magic Points

 
Posted on Fri Feb 29, 2008 12:08 am  

I believe a celluar account can be handled in the same manner as a credit card.
_________________
I don't dream since I quit sleeping
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



36461 Magic Points

 
Posted on Fri Feb 29, 2008 10:49 am  

Yes mrnstar that is a fact.

Guest HI, please raise a fraud alert with all the three bureaus.
I could not find out information as to what can be done now because the impostor is also dead.

However for safety you can also go through this
http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/deter.html
_________________
Regards,
Laura.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: credit
 
Posted on Tue Nov 08, 2011 5:35 pm  

I own a CC (with a very low credit limit). There is a 'product' you can buy along with having a card. If any checks my credit, I'm alerted right away. I pay $5 per month for this and I think it's worth it!! I don't know if I can 'reveal' the name of the CC company, but, I was just trying to let people know there are CC's out there that help the consumer be alerted.

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