So, I'm checking my credit history for the first time before I apply for student loans... since I've had no previous reason to.According to Experian, Equifax and TransUnionI apparently have a mortgage and a beach house. News to me. It would be nice if I owned said beach house because then I could sell it ... but it may be hard to take out an additional $150,000 in loans with my mortgage. I'm freaking 22 and I don't own anything. I think they've got me confused with one of my relatives, and I anticipate this being a big pain to clear up.Anyone else having trouble with credit report surprises from these stupid companies?
I bought a car last week....and when the coked-up financing guy was going over my credit report (he looked at Equifax only) and was estimating what my interest rate would be (it was a Saturday, so banks were closed), he told me a great piece of information...get your credit report, and if there are any paid collections or late credit card payments, file a formal dispute on all of them. Assuming collections/late payments have been paid, companies rarely respond to such disputes...so 30 days after the dispute is filed, it is wiped from your credit report forever if there is no response...and this is reflected immediately in your credit score. He told me all you need to say in your dispute is something to the effect of:"My records indicate no delinquency with this account."And that gets the ball rolling. Good deal, huh?
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