tag:blogger.com,1999:blog-5465015914589377788.post9172128801113687967..comments2024-03-20T09:32:16.592-04:00Comments on Michael James on Money: Adventures in Credit ReportsMichael Jameshttp://www.blogger.com/profile/10362529610470788243noreply@blogger.comBlogger7125tag:blogger.com,1999:blog-5465015914589377788.post-82186358101161087732016-09-11T12:41:40.765-04:002016-09-11T12:41:40.765-04:00I agree there could be a risk with having to rely ...I agree there could be a risk with having to rely on a potential landlord rely on contradictory information. <br />Although my wife and I actually rented an apartment for a year, about 5 years ago while we owned another home and renovated it. The rental company did do a credit search and would have found the numerous errors I referred to, making them contradictory to our joint application. We have just checked my wifes report. Some dates of home ownership are not consistent with mine. I forgot to mention before my wife's employer was shown as mine on my report. There are a lot of errors between our 2 reports (employers & homes), but none regarding credit. <br />We had no questions or issues on securing the rental. RBullnoreply@blogger.comtag:blogger.com,1999:blog-5465015914589377788.post-57659642337131091952016-09-10T10:58:01.927-04:002016-09-10T10:58:01.927-04:00@RBull: I agree that it's probably not worth ...@RBull: I agree that it's probably not worth trying to correct. The only problem scenario I can think of is trying to rent a place sometime and having my credit report contradict something I've told the owner and having him or her decide I'm lying.Michael Jameshttps://www.blogger.com/profile/10362529610470788243noreply@blogger.comtag:blogger.com,1999:blog-5465015914589377788.post-47492495403137841052016-09-10T10:29:46.327-04:002016-09-10T10:29:46.327-04:00That was my first time ever checking on my credit....That was my first time ever checking on my credit. I only bothered to do the online transunion check. it took me two tries at answering the questions to make it work, so maybe I made a mistake or forget something. <br /><br />There was a mistake with my name but was picked up on the other name listing. There were numerous mistakes with my home addresses, dates of habitation, including a business I operated being listed as my home. Much of my employment history was missing and dates weren't correct, and doesn't indicate I am no longer employed, or that my business was sold and corporation inactive. There were no incomes listed but maybe that is normal. <br /><br />There was nothing I could see incorrect with my credit. <br /><br />I'm not sure any of this is worth correcting at this point. I am sure it would be a tedious process and am doubtful it has any bearing on my standing or future ability to maintain or access credit. RBullnoreply@blogger.comtag:blogger.com,1999:blog-5465015914589377788.post-53443658287630458252016-09-08T13:39:00.897-04:002016-09-08T13:39:00.897-04:00@aB: TransUnion's automated telephone system ...@aB: TransUnion's automated telephone system is definitely harder to use than Equifax's. Of course, it may have decided it didn't like one of your answers. You might try TransUnion's online ordering system, despite the fact that it didn't work for me.Michael Jameshttps://www.blogger.com/profile/10362529610470788243noreply@blogger.comtag:blogger.com,1999:blog-5465015914589377788.post-25924340792997721532016-09-08T13:23:18.092-04:002016-09-08T13:23:18.092-04:00Phoning in to the automated TransUnion worked for ...Phoning in to the automated TransUnion worked for me last year. This year I got half way through, it said 'thank you for calling us', then hung up on me.aBnoreply@blogger.comtag:blogger.com,1999:blog-5465015914589377788.post-35865937919750676312016-09-08T11:41:36.160-04:002016-09-08T11:41:36.160-04:00@ReturnsReaper: The mistakes in my files don't...@ReturnsReaper: The mistakes in my files don't seem to be very consequential either, but I'm not sure I could get them fixed even if it mattered a great deal.Michael Jameshttps://www.blogger.com/profile/10362529610470788243noreply@blogger.comtag:blogger.com,1999:blog-5465015914589377788.post-76527739963381751022016-09-08T11:30:59.311-04:002016-09-08T11:30:59.311-04:00I recently had an error on my Equifax credit repor...I recently had an error on my Equifax credit report, which was a credit check that I didn't make. The credit check was through TD. Neither Equifax nor TD were in any way helpful at getting this corrected. Equifax indicated TD had to reverse the record, and TD wanted me to deal with the branch that made the credit check. But I didn't know this and they weren't able (or willing) to help me find out.<br /><br />The consequences of this unauthorized credit check weren't severe enough to warrant further action, so I eventually gave up.ReturnsReapernoreply@blogger.com