My brother and I have same names and our SSN is off by one digit. When I requested my credit report with Equifax, I would either get a report with my brothers birthday and SSN or they can't find me on file. But yet, I would get declined for credit cards because of Equifax. After numerous attempts of disputing, I believe I have finally fixed the mixed file. I am unable to dispute all the inquires that were not mine. But now when my brother requests his credit report with Equifax, they are not able to find him on file. I will also get declined for credit card application. I only have two credit cards and both are in good standing. Is it possible that I still have my brother's credit score? Or that the our credits are still "mixed" since now they can't find my brother on file.
It sounds as if you may be precisely right about your circumstances. Unfortunately, this is not an uncommon occurrence. It is estimated that one in four credit reports is plagued with a significant error. As you know, this can cause great impairment to your access to credit. It can also affect you ability to get a job (vis-a-vis background checks), and even insurance.
Visit http://www.ohioconsumerhelp.com/sub/credit-report-errors.jsp for more information on steps you can take.
I would highly suggest you consult with a seasoned consumer advocate. Fortunately for you, there are a couple of excellent options in your part of the country that I highly recommend. They would be very well suited to help you correct these problems and balance the harm you have suffered. Please let them know Amy Wells from Dayton, Ohio referred you. All the best to you in speedy resolution.
8835 SW Canyon Ln., Ste #130
Portland, Oregon 97225
Phone: (503) 295-6880
Fax: (503) 291-9172
Email: [email protected]
4407 N. Division, Ste 914
Spokane, Washington 99207
Phone: (509) 484-5611
Fax: (509) 484-5972
Email: [email protected]
All the best to you!
NOTE: This Answer does not constitute legal advice. Every case is fact specific. To render a legal opinion, an attorney must engage in a consultation with a prospective client and review any pertinent documents. This communication does not create an attorney-client relationship with Attorney Amy L. Wells or WELLS LAW OFFICE, INC.
Mix merging of files is not uncommon, especially when you have similar names and addresses. This often happens because the credit bureaus do not have their computer programs sufficiently fine tuned to make distinctions between similar names/addresses/social security numbers. Under the Fair Credit Reporting Act, they are in fact required to have procedures in place to ensure maximum accuracy.
You should consult a local attorney who specializes in this area - both you and your brother are entitled to have accurate credit reports.
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