Why you should read your free credit reports

[cjeanette]

I must have skipped last year in all my drama. I pulled it yesterday and it said I had a tax lien for business taxes in MO. I have never owned a business. Much less in MO. I worked there in the past but always paid what we owed. I checked my credit score and it was lower which I attribute to this lein that was listed twice. Disputed online and got an e-mail this morning that it was deleted! I was afraid it was going to be a big battle.

[winnied]

Whoa! I'm glad everything was resolved. I'm going to check it more carefully from now on.

[vanillacourage]

We got a letter in the mail once that a guy had put a lein on our house because he was owed money from a guy with DH's same name. He just picked DHFirstname Lastname out of the white pages to get our address, and was somehow able to put a lein on our property without having to prove that it was the right DHFirstname Lastname. I went postal and got it lifted in 24 hours.

[Deleted]

Wow! That sucks, but I'm super glad it was quickly resolved.

[hski2349]

Wow that is crazy. Just so you know, your credit report may not show all fraud. I have checked my credit report and never had anything on it. Then this past year went to buy a house, credit report was pulled everything was fine. I was in the process of finalizing the loan, and a fraud alert came back on my credit. Nearly 10 years ago, somebody used my SS# bought a property, but the bank reported it to the credit agencies by that buyer's name not the SS# (which was mine), so it never showed up on my credit report. I was livid and still am with that bank. I ended up filing charges with the local police and they sent it on to the city in which the fraud took place and I am still waiting to hear from them.

[awkwardpenguin]

Inspired by you, I just got mine! Mine was what I expected, although I cleaned up some address information and disputed something I thought should have already been removed.

[cjeanette]

Jan 30, 2013 15:20:03 GMT -5 awkwardpenguin said:

Inspired by you, I just got mine! Mine was what I expected, although I cleaned up some address information and disputed something I thought should have already been removed.

Yeah, they also had my ILs address listed as a previous address. As if.  Removed that

[awkwardpenguin]

Jan 30, 2013 16:39:31 GMT -5 cjeanette said:

Jan 30, 2013 15:20:03 GMT -5 awkwardpenguin said:

Inspired by you, I just got mine! Mine was what I expected, although I cleaned up some address information and disputed something I thought should have already been removed.

Yeah, they also had my ILs address listed as a previous address. As if.  Removed that

For me, the apartment my XH moved to when we split.  Not so much.