3 ms·

If I saw a new account opened in my name I would be pretty concerned and would probably come back to this post for advice. However, is it necessary to get be th

If I saw a new account opened in my name I would be pretty concerned and would probably come back to this post for advice. However, is it necessary to get be this thorough (going to the police, etc) for things like incorrect tradelines in your report? When I first requested my free reports a few years ago all three had multiple tradelines that were not mine and two had a similar situation as Patrick's - namely an account older than me. I used the CRAs' online forms to request they fix them and they did within a few weeks. Didn't seem like that big of a deal.

squeaky-clean 9y ago
It helps you in the worst case scenario. What would you have done had they never responded or taken any action? Or if they responded with incorrect information / misunderstanding the original claim like they did in the article thinking OP was talking about their child's birthdate, when OP was clearly talking about themselves? It's a relatively small price and additional amount of effort to protect you in a situation that can be very important to you financially for a long time. What if 20 years from now those accounts are reopened in some credit report? Also just anecdotally, but I bank with Chase and their customer service has always been so terrible, I'd expect all these to happen to me.
- aptwebapps 9y ago
  A paper trail is good, of course, but IIRC, I did receive amended reports from each of the CRAs with letters describing the actions taken. I also suspect that I went through the process more recently than Patrick, I think it was about five years ago. In my case, I was able to select the problematic accounts, what the problems were, and the desired actions all via dropdown elements. There was an additional text box for any extra explanation. This is what made it seem routine and not a big deal.

3 ms·

If I saw a new account opened in my name I would be pretty concerned and would probably come back to this post for advice. However, is it necessary to get be th

by aptwebapps 9y ago

squeaky-clean 9y ago
It helps you in the worst case scenario. What would you have done had they never responded or taken any action? Or if they responded with incorrect information / misunderstanding the original claim like they did in the article thinking OP was talking about their child's birthdate, when OP was clearly talking about themselves? It's a relatively small price and additional amount of effort to protect you in a situation that can be very important to you financially for a long time. What if 20 years from now those accounts are reopened in some credit report? Also just anecdotally, but I bank with Chase and their customer service has always been so terrible, I'd expect all these to happen to me.
- aptwebapps 9y ago
  A paper trail is good, of course, but IIRC, I did receive amended reports from each of the CRAs with letters describing the actions taken. I also suspect that I went through the process more recently than Patrick, I think it was about five years ago. In my case, I was able to select the problematic accounts, what the problems were, and the desired actions all via dropdown elements. There was an additional text box for any extra explanation. This is what made it seem routine and not a big deal.