Credit Report Question Options

[Mommy]

So I have reasons to believe that there may be some activity under my credit without my authorization. I have had my identity stolen before, and I think it may be related to this. I used freecreditreport.com twice before. The first time, they had three choices of credit agencies to chose from to get the report. This time went just fine. The second time, all they had was experian. Experian fucked me. I dont want to use them again. Any other places I can go to view my credit report?

[woody]

my credit report is all jacked up

i had credit shit on there that was opened before i was born from my grandfather (same name as me) and they bitched about taking it off.

even though the account was paid off & hadn't been used since 1967

then i had someone open a telephone line in el paso and ran the bill up to $900. i called & said i didn't live in EP during the time. 1 creditor was cool & got it yanked off, the others 2 didn't and basically said, you name, your number, your problem.
there's also 2 credit cards i never took out with a balance total of about 3500. the creditors basically tell me this "prove you didn't take out the credit cards" i asked them how i could do this and they didn't know. so i'm fucked in that aspect cause i can't prove i didn't take out a credit card.

i hate how the gov't says check your credit report for fraud & stolen identity but doesn't pressure the credit agencies to do shit about it.

[GOB]

my credit report is all jacked up

i had credit shit on there that was opened before i was born from my grandfather (same name as me) and they bitched about taking it off.

even though the account was paid off & hadn't been used since 1967

then i had someone open a telephone line in el paso and ran the bill up to $900. i called & said i didn't live in EP during the time. 1 creditor was cool & got it yanked off, the others 2 didn't and basically said, you name, your number, your problem.
there's also 2 credit cards i never took out with a balance total of about 3500. the creditors basically tell me this "prove you didn't take out the credit cards" i asked them how i could do this and they didn't know. so i'm fucked in that aspect cause i can't prove i didn't take out a credit card.

i hate how the gov't says check your credit report for fraud & stolen identity but doesn't pressure the credit agencies to do shit about it.

wow, how in the hell were you allowed to buy a house?

did you submit a request for a review in writing? you have to do that to each credit agency. there should be an address for disputing their info somewhere on the report in the fine print. there are certain rules, like it must be less than 100 words, you must send it within 60 days of checking your credit, and they must respond within 30 days after that or something. if they tell you "no" over the phone, just send a written request.