A year ago I tried to get my free annual credit report from all three bureaus. Experian was the only one who would not give it to me. I recently graduated with an Engineering degree and started looking for a house. A mortgage company I was trying to get a good faith estimate from called me asking me about a house I was buying and the car I was paying on. My car is payed off and I have never bought a house. They said after further investigation that there was another social security number and name on my Experian report. For six months after that I tried to get a credit report from Experian, however, the information I gave them would decline me. Finally, a few months ago they gave it to me, but all it has on it is the last three addresses I gave them during my failed attempts to view my credit report and my birth year was wrong. I disputed my birth year, but nothing has changed with my report. I even verified with the two banks that I have student loans with that they indeed report to Experian. I have 30 years of credit, and I still have an old Experian report from three years ago that reflects this fact. However, I have been unable to rectify anything with Experian. I feel like someone stole my identity, but nothing on Equifax or Transunion proves it. All I know is that, for some reason, Experian has lost my credit history and nobody I call or email has been able to help me fix it. All I want to do is buy my first house. Please help me! What do I need to do?
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calling those folks is pointless in most cases
but try this way
Experian F 800-493-1058 Say "yes"; enter report #; enter social security #; say "yes"; say "agent" then "yes" to confirm at prompts thereafter.
call your state attorney general or file a complaint online
one of these will work
Thursday, March 13, 2008
Credit fraud Experian: can't get no answer from a human
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