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Ask Dave

Crossed Up

The good news is that it doesn't sound like identity theft that is wrong with Casey's credit report.

QUESTION: Casey was at her bank last week, and they pulled a credit report on Casey. There are 16 items on there that were not there 2 years ago and don’t belong to Casey. They think her husband’s name was crossed with another person. She needs Dave to tell her where she can go to make this right.

ANSWER: What you may have to do is just write to Equifax, TransUnion and Experian and let them know this account is screwed up. You may be able to go online and do it. It doesn’t sound like identity theft, but rather data that was entered wrong. If you get the information from the other guy taken off of your husband’s, you’ll probably get back to clean.

Try and see if you can get on. Write to them and say there is a Social Security number and addresses that are crossed up, and they need to separate those out. Tell them which accounts are yours and which are not, and that the Social Security number is not yours and it needs to be taken off.

Statistics tell us that 52% of credit bureau reports have an error in them, and 35% of them have an error serious enough to keep you from getting a loan. Send a letter certified mail, return receipt requested. Don’t expect it to be easy; expect to do it 2 or 3 times until you get a response. But if you can ever get to where you do it online, that’s much faster and easier and more efficient than by snail mail.