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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".
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.
!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.
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?
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.
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.
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.
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.
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.
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.
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