Credit

Checking Your Credit Record

Do credit bureaus ever report one person’s record instead of another’s?

Yes. That’s why it is very important that you assist the credit bureaus in assuring that each item in your credit record really reflects your credit history and not that of another person. Whenever you apply for credit you should use the same name. Thus, if you are James R. Jones, Jr., always append the "Jr.," and do not sometimes use J. Randall Jones and other times use J. R. Jones.

Finally, you will typically be asked for your social security number on a credit application. If so, provide it. The request is not to invade your privacy but to assure that your credit records do not get mixed in with those of some other James Jones.

>>What do credit bureaus do?
>>Do credit bureaus ever report one person’s record instead of another’s?
>>May I look at my credit record?
>>Do I have a right to see my credit record if it contains adverse information about me?
>>What does a credit report look like?
>>What may I do if I believe the credit bureau has incorrect information in my file?
>>How does the process of challenging inaccurate information work?
>>What is the story behind companies that advertise their abilities to repair faulty credit histories? They sound too good to be true.


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