U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > General Forums > Retirement
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old 09-10-2017, 08:13 AM
 
71,595 posts, read 71,751,865 times
Reputation: 49210

Advertisements

not all lenders even report to all the same agencies . we had a fraud from a utility company only on the report of one bureau .
Reply With Quote Quick reply to this message

 
Old 09-10-2017, 08:47 AM
 
2,678 posts, read 1,543,054 times
Reputation: 2587
The sad part if any of these data aggregators is that we have no right to see our own data, and no pathway to correct erroneous data. All we get is the right to have a comment added to our credit reporting files, but no enforceable course of action. To quote POTUS: "Sad. Very sad".
Reply With Quote Quick reply to this message
 
Old 09-10-2017, 09:10 AM
 
210 posts, read 150,975 times
Reputation: 628
mathjak107, bigbear99, Thanks for the info and link. I just inspected my OPM breach credit monitoring and it appears I am already receiving credit monitoring including Equifax. So I don't need the one year deal.


I apologize to the OP for getting off topic.
Reply With Quote Quick reply to this message
 
Old 09-10-2017, 09:46 AM
 
Location: Florida
4,365 posts, read 3,702,696 times
Reputation: 4111
Quote:
Originally Posted by MI-Roger View Post
The historical questions they ask, geesh!



What credit card did you start in 2002?
  • !5 years ago? Well, that was about the time we had the CC number stolen on our primary card while vacationing. I know the name of the bank issuing our second major brand CC (so we will never be left without a valid CC while vacationing again), but is that what is being asked? Maybe they have data on a Store CC issued in the same year, and does any one really know the name of the banks who issue the store cards? May have failed this question.
What is the name of the bank under-writing a mortgage you started in late 2014?
  • OK, I co-signed a mortgage application for our youngest son as the co-owner for the home he is living in now while attending Medical School. Funny how banks will not lend money to unemployed future Doctors, even unemployed future Doctors with significant savings. I knew this answer.
  • But the loan origination month did not match the month identified in the SSA question. Was this a trick? Do they have bad data? Maybe I failed this question too.
How much is the monthly mortgage payment for the 2014 Mortgage, to the nearest $100?
  • Our son makes all payments from his savings accumulated while working as a Software Engineer. I have my copy of the Mortgage papers with the original payment schedule, but I know he has elected to have all Property Tax and Insurance increases added to the Escrow portion of his payment. I have no idea what the current payment is and can only guess. Probably failed this question.
Did you ever live on any of the following streets?
  • Trick question. I never lived on any of the streets, but our oldest son did live on one of the streets while in Law School. I had co-signed an auto loan for him for which he was continuing to make payments while attending Law School. I gave the truthful answer but should have lied as this false address has popped up on my credit reports in the past. Probably failed this one too.
Had the same problem but it does help with security. Took me about 2 weeks to get my electric for a new house due to these questions. My daughter's history gets mixed with mine although I never co signed etc. I just have to guess for some of the answers. I have also gone back to the credit reporting co's and ask to have the information removed. An email might be all you need.
Reply With Quote Quick reply to this message
 
Old 09-10-2017, 09:54 AM
 
Location: Florida
4,365 posts, read 3,702,696 times
Reputation: 4111
Quote:
Originally Posted by AnnaLee2 View Post
Does anyone know exactly what information credit bureaus have in their database about you? For example, they know how much you owe so they know your creditors. Do the creditors also share account numbers, credit card numbers, your personal information recorded to a bank account, your driver's license number, your answers to security questions, etc. How much do they know of the information their sources know?
This will give you a little info https://www.annualcreditreport.com/index.action

You get a free report from each once a year. I rotate and get one of the co's report every 4 months.

Read the questions as their will be offers for paid add ons but you do not need to take them.
Reply With Quote Quick reply to this message
 
Old 09-10-2017, 10:05 AM
 
Location: SoCal
6,069 posts, read 9,531,033 times
Reputation: 5807
Quote:
Originally Posted by reneeh63 View Post
Great....but that is still pretty ambiguous and Equifax withholding this info for a month doesn't make them very trustworthy whatever they're saying now. Either they were lying, are lying, or just plain don't know.

Just found this in the nytimes (https://www.nytimes.com/2017/09/08/y...pagewanted=all):

On Thursday night, I entered my last name and the last six digits of my Social Security number on the appropriate Equifax web page. (They had the gall to ask for this? Really? But I digress.) I received no “message indicating whether your personal information may have been impacted by this incident,” as the site promised. Instead, I was bounced to an offer for free credit monitoring, without a “yes,” “no” or “maybe” on the central question at hand.

By Friday morning, this had changed, and I got a “your personal information may have been impacted by this incident” notification. Progress. Except as my friend Justin Soffer pointed out on Twitter, you can enter a random name and number into the site and it will tell you the same thing. Indeed, I typed “Trump” and arbitrary numbers and got the same message.
Yeah. Be careful with this 'free' credit monitoring. I saw a report that you need to give them a credit card to get it, and they will automatically start charging that credit card after the the first 'free' year.
Reply With Quote Quick reply to this message
 
Old 09-10-2017, 11:14 AM
 
2,678 posts, read 1,543,054 times
Reputation: 2587
Quote:
Originally Posted by rjm1cc View Post
This will give you a little info https://www.annualcreditreport.com/index.action

You get a free report from each once a year. I rotate and get one of the co's report every 4 months.

Read the questions as their will be offers for paid add ons but you do not need to take them.
Unfortunately, they will only give you the information in your credit report, not all the other information they may have. Fact is that we individuals don't know what else they have. Prospective clients, OTOH, will get a much better picture in terms of products (reports etc) that they want to buy.
Reply With Quote Quick reply to this message
 
Old 09-10-2017, 12:58 PM
 
4,574 posts, read 7,060,700 times
Reputation: 4222
Seems those messages from Equifax on ones status are rotated randomly, so I have just proceeded as if I am one of those who's information was breached...don't assume anything.
Reply With Quote Quick reply to this message
 
Old 09-10-2017, 02:38 PM
 
11,936 posts, read 20,392,868 times
Reputation: 19328
Is there any chance you are MI Roger Sr? And maybe MI Roger Jr's information has been mixed with yours? I'd get a copy of your free credit report and see. Look for annualcreditreport.com. There's lots of sites that will give you a free credit report for signing up for stuff you have to cancel, but the one I list is the correct free site...and yes, because it's not a .gov site it's confusing.
Reply With Quote Quick reply to this message
 
Old 09-11-2017, 01:00 AM
 
Location: Chesapeake Bay
6,048 posts, read 3,872,797 times
Reputation: 3502
Quote:
Originally Posted by Bette View Post
SSA gets this info from Equifax. Get a copy of your Equifax and you will see the incorrect info on there in order to answer your questions.

This happens a lot.

I have clients that I have to help sometimes get online access and we sit here in my office and do it.
Easier said than done. I requested a free credit report from Equifax today. They responded they could not send it online until I sent them a copy by regular mail of:

My drivers license
Social security card
Pay stubs for the current month
W2's
A utility bill
Copy of the deed to my house

Is this normal? Its the first time I've ever tried to get a free copy of my credit report.

The only thing I've bought in the past 10 years that I didn't pay cash for was a car 4 years ago and it was paid off last year.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > General Forums > Retirement
Follow City-Data.com founder on our Forum or

All times are GMT -6.

© 2005-2019, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top