 Credit Report Question |
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| Credit Report Question |
 Feb 20 2007, 01:19 PM
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#1
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 New son Donovan Charles Mummert born July 17, 2008 Group: Members Posts: 8,635 Joined: 22-February 06 From: Port Wentworth, GA Member No.: 15  |
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?
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Feb 20 2007, 02:30 PM
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#2
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 monogamous gays & stem cells Group: Members Posts: 3,789 Joined: 22-February 06 Member No.: 8 |
don't use freecreditreport.com, it's a scam
the government suggested site is www.annualcreditreport.com, it's the one that allows the free, once a year report from each agency. you have to pay like 5 bucks for the credit score from each, as well. you can't really choose who fucks you, and it's not really their choice, either. it just depends on whom your creditors are specifically reporting to and whether or not you are flagged for anything. they all (should) have your information. |
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Feb 20 2007, 04:37 PM
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#3
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 Group: Members Posts: 1,795 Joined: 29-September 06 Member No.: 327 |
it's only a scam if you don't cancel your one month free membership.
how can it be a scam if you use it for free, then cancel it? |
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Feb 20 2007, 04:41 PM
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#4
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New son Donovan Charles Mummert born July 17, 2008 Group: Members Posts: 8,635 Joined: 22-February 06 From: Port Wentworth, GA Member No.: 15 |
i just had a problem where I never got the password in the mail (which is how they do it now) so i never got the login information to view the credit report or cancel. I kept calling them to tell them I never got it and they kept charging my card. I went to my credit card to dispute the charges and they wouldnt let me. Finally, I cussed some Indian bitch from Experian out over the phone and I got my money back.
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Feb 20 2007, 04:45 PM
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#5
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 GORILLA FLUFFER  Group: Agents Posts: 7,711 Joined: 23-February 06 From: lubbock Member No.: 50 |
QUOTE (cupcake @ Feb 20 2007, 04:37 PM)  it's only a scam if you don't cancel your one month free membership. how can it be a scam if you use it for free, then cancel it? some places think "cancel my subscription" means "charge me another 6 months of the premium package" --------------------  QUOTE (Jessica @ May 7 2007, 01:15 PM) but yeehaw dammit. YEEHAW QUOTE (Dogmeat @ Jun 26 2008, 07:51 PM) ok once upon a time I jacked myself off retarded. Licking anuses, one kindergarten class at a time!! |
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Feb 20 2007, 04:52 PM
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#6
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monogamous gays & stem cells Group: Members Posts: 3,789 Joined: 22-February 06 Member No.: 8 |
QUOTE (cupcake @ Feb 20 2007, 04:37 PM) it's only a scam if you don't cancel your one month free membership. how can it be a scam if you use it for free, then cancel it? meh, it's just a way for experian to make an extra buck because they know people are stupid and won't cancel (or will lose their password!). free implies no charges. having to put in a credit card number with the idea that it will be charged unless you cancel is crap when it deals with something that most people don't even think about more than once a year. i'm not saying i don't think it's funny, though. personally, i would love to open a pay-day loan store. those things produce nothing but profit, albeit at the expense of others, but i have no problem with that. that's good you actually got your money back, though. i figured they would be extra tight-assed since that's incredibly sensitive info they're dealing with. |
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Feb 20 2007, 05:02 PM
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#7
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 Do they ignore parts of reality? Group: Moderators Posts: 2,935 Joined: 23-February 06 From: South Overton!!! Member No.: 46 |
QUOTE (cupcake @ Feb 20 2007, 04:37 PM) it's only a scam if you don't cancel your one month free membership. how can it be a scam if you use it for free, then cancel it? I did the same thing -------------------- A psychotic world we live in. The madmen are in power. How long have we known this? Faced this? And--how many of us do know it? Perhaps if you know you are insane then you are not insane. Or you are becoming sane, finally. Waking up. I suppose only a few are aware of all this. Isolated persons here and there. But the broad masses... what do they think? All these hundreds of thousands in this city, here. Do they imagine that they live in a sane world? Or do they guess, glimpse, the truth...?
-Philip K. Dick |
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Feb 20 2007, 05:11 PM
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#8
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New son Donovan Charles Mummert born July 17, 2008 Group: Members Posts: 8,635 Joined: 22-February 06 From: Port Wentworth, GA Member No.: 15 |
thanks Charlie for the link, I got my credit report and everything seems to be fine.
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Feb 20 2007, 05:12 PM
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#9
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Do they ignore parts of reality? Group: Moderators Posts: 2,935 Joined: 23-February 06 From: South Overton!!! Member No.: 46 |
I am afraid to look at my credit report at this time
Ignorance is bliss -------------------- A psychotic world we live in. The madmen are in power. How long have we known this? Faced this? And--how many of us do know it? Perhaps if you know you are insane then you are not insane. Or you are becoming sane, finally. Waking up. I suppose only a few are aware of all this. Isolated persons here and there. But the broad masses... what do they think? All these hundreds of thousands in this city, here. Do they imagine that they live in a sane world? Or do they guess, glimpse, the truth...?
-Philip K. Dick |
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Feb 20 2007, 06:55 PM
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#10
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 Group: Members Posts: 706 Joined: 22-February 06 From: Lubbock, TX Member No.: 20 |
what kind of memberships are you guys signing up for? I checked mine using annualcreditreport.com. the history is free, but if you want to see your score, you have to pay. I paid to see my score once, but then it seemed useless because they give you VantageScore and not your FICO score.
-------------------- Beers that I have had, updated July 5th, 2009: 1,548
My Beer List "Patriotism is the last refuge of the scoundrel" - Samuel Johnson "I like your Christ, I do not like your Christians. Your Christians are so unlike your Christ" - Mahatma Gandhi |
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Feb 21 2007, 08:50 AM
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#11
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 Group: Moderators Posts: 2,499 Joined: 23-February 06 From: El Paso Texas Member No.: 32 |
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. -------------------- |
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Feb 21 2007, 09:45 AM
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#12
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monogamous gays & stem cells Group: Members Posts: 3,789 Joined: 22-February 06 Member No.: 8 |
QUOTE (woody @ Feb 21 2007, 08:50 AM) 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. |
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Feb 21 2007, 11:40 AM
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#13
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Group: Moderators Posts: 2,499 Joined: 23-February 06 From: El Paso Texas Member No.: 32 |
i honestly don't know how i was able to buy a house.
anyway, i called them up and requested it & waited. After about 3 weeks, 1 credit agency called me back and they said they'd clear the phone bill, about a week later the others said it's staying. as far as the 2 credit cards, all 3 said tough shit basically -------------------- |
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Feb 21 2007, 01:32 PM
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#14
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 Group: Moderators Posts: 1,551 Joined: 19-April 06 From: Lubbock Member No.: 162 |
QUOTE (Dr. Gonzo @ Feb 20 2007, 05:12 PM) I am afraid to look at my credit report at this time Ignorance is bliss seconded. -------------------- Je suis toute du merde.
....bitches!!!!! |
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Feb 22 2007, 01:48 AM
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#15
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Do they ignore parts of reality? Group: Moderators Posts: 2,935 Joined: 23-February 06 From: South Overton!!! Member No.: 46 |
QUOTE (woody @ Feb 21 2007, 11:40 AM) i honestly don't know how i was able to buy a house. anyway, i called them up and requested it & waited. After about 3 weeks, 1 credit agency called me back and they said they'd clear the phone bill, about a week later the others said it's staying. as far as the 2 credit cards, all 3 said tough shit basically What kind of down payment did you have to put down? -------------------- A psychotic world we live in. The madmen are in power. How long have we known this? Faced this? And--how many of us do know it? Perhaps if you know you are insane then you are not insane. Or you are becoming sane, finally. Waking up. I suppose only a few are aware of all this. Isolated persons here and there. But the broad masses... what do they think? All these hundreds of thousands in this city, here. Do they imagine that they live in a sane world? Or do they guess, glimpse, the truth...?
-Philip K. Dick |
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