okay, what the hell

[souzalizard]

I thought I'd done everything I needed. I thought that was the go-ahead to move ahead with the whole CG thing. Is there something else I'm supposed to be doing before I leave Jersey for Washington

Comments

[madam_o]

gahh this has happen to me and toast. mine was easy to solve since i have such a odd second first name and all i had to do was send a copy of my state Id to the NYC courts and then they drop the link of court cases. then i was able to get a clean credit report. come to think of it this toke a month making me and toast lose a Apt, but we got a better one so it all worked out.

toast's thing was a bank mix-up she had to find which credit report company of the three had the bad bank. they said they needed a copy of her ID and that she had close the account 6 years ago (she did have a account at one time with the bank) and then she had to file a police report even though the bank drop it the credit would not drop it with out a police report.

[souzalizard]

Oh, holy McJesus I hope that isn't going to be required with me. I am so not keen on the idea of spending a whole month with nothing to do and no money to spend before I can even head back to Washington, where I would have to wait a month to ship.

What was the police report for? I mean, if it's just a matter that the bank failed to notify the credit bureau, and the bank dropped it, what would the police report be for? That doesn't sound like fraud or anything.

I think, before anything, I need to view my Experian report. Because if that's clear... well, hell. I have no idea what to do then. But at least I'll know my credit is clear.

[madam_o]

well there was a real name who live one town over that was causing the prob. so even though the bank said they worked it out they said it would take the next billing cycle to clear it. but that she should file a police report so that if in one month is was not clear she had proof she was doing something. the credit bureau said that in order to clear her they needed a crap load of paper work form the bank or a police report. so it was the easy thing to do.

well all three have to be clear not just your Experian report which by the way when it happen to me they said i was clear. why don't you check https://www.annualcreditreport.com/cra/index.jsp which is what we use now.

[souzalizard]

I see... I still really hope I don't have to file a police report for no criminal activity.

Oh, I know, the other two ARE clear. I already went to the site you mentioned previously to get the first two (Equifax and Transunion), but the Experian said it couldn't verify me, which is why I thought whatever is listed, it's listed there. But as the third edit mentions, according to the company that monitors this stuff for me, I'm not able to pull up the records online because there isn't anything to show. Like, since it doesn't have any negative information, it doesn't process (for their site). So the whole thing may just be a records problem with the Coast Guard.

[madam_o]

wow this is just one big mess, worst it seems like a big mess you can't fix and the ones who should fix it are not.

[souzalizard]

EXACTLY.