I am not my own grandpa, Experian!
My father, grandfather, and I all have the first and last names, with only different middle names to distinguish us, no suffixes. How do I go about untangling our credit reports? Because of the way information is reported to credit unions, you'd think we were the same person with more addresses and aliases than a Bond villain! I checked my credit report today and was a little leery when all three agencies asked me about my mortgage. Since I don't have a mortgage I knew right away we were going to have problems. - Equifax has everything basically right for me, other than having an old address and the employer I was with in 2000. They only list a single recent positive account for me. - Transunion pitched a hissy and won't let me see the report online because I refused to tell them all about my mortgage. As I am not privy to my parent's financial history, I have no idea who it is with or how long the terms are. If I want a Transunion report, I have to write for it. - Experian is totally fubar and has the following: * Dad's birthyear instead of mine * two negative accounts of Dad's * one negative account that doesn't provide remotely enough information for me to figure who the hell it belongs to. * one positive account of Dad's * two accounts of mine, one negative and one positive, both recent. * Every permutation of my dad's name, my name, and my grandfather's name. * Dad's social security information listed as an "alternative" to my own. * Information on my parent's mortgage. It bothers me that Experian gave me so much information on my parent's credit, even though when answering the questions to prove my identity I didn't even try to answer things related to their mortgage.
