I was recently informed that one of the sites I used to purchase tickets for a show may have been compromised.  This is nothing new and has happened to all of us many times, since it has been many years since I got a free credit report, I decided to run the three free reports.  Everything looks good, no cards or accounts that I am not aware of, I can account for all of the activities and everything looks good except for one thing.  One the listed previous addresses (the most recent previous address listed) is not mine and I never lived there, it's not even in NJ or any state I ever visited.  I have lived in my current home for 15 years, and that is properly identified as my current address.  Prior to this house, I lived at another house in the same town, that is also listed properly but as my third most recent address.  The address that is listed wrong is the same address on all three reports.  I suspect someone tried to open a card using my name and criteria but using their address, but there is nothing wrong and I have no idea how long it has been like that.  Is this something I should fix? I am sure it is a hassle and wonder if its worth it.

Anything incorrect on a credit report should be addressed

Anything incorrect on a credit report should be addressed

 

Agreed get it fixed.

Anything incorrect on a credit report should be addressed

 

Agree 100%

I heard he got his nics check back in two days. Youd better follow his lead. Hes doing something right.

Having been an victim of Identity theft in Jan '07, I can say unequivocally that you need to fix this.  There have been cases of ID thieves "double dipping" as it were.  They run a scam on a SSN, get some theft out of it and  hit the same numbers again after a long enough period that everything has been settled again.

 

While this may not apply in your situation, anything that's wrong in there now will make it that much harder to fix if the time were ever to come.

Also, with most of those errors the financial institution has to do an investigation that can take 90 days. If you wait until it IS a problem (like a lender questions it when you're making a large purchase) you won't have time to fix it before the deal falls apart.

Thanks guys, I will take care of this.  Can't be much worse than applying for a FID and p2p

It's actually easier

How do you fix it? Curious to know that.

 

Also what site did you use to check your score? Want to check mine, haven't for a year and I'm curious how it is now.

The free credit report does not give you a score, you have to pay for that.

 

This is the link that I was told to use for my free reports from the 3 major companies.

 

https://www.annualcreditreport.com/cra/index.jsp

Thanks! Imma start a new thread about question on credit report so I don't hijack yours.

Thanks! Imma start a new thread about question on credit report so I don't hijack yours.

It's OK, I already got my answer.

Anything incorrect on a credit report should be addressed

Good luck with that. Back when you could get a human on the phone you stood a chance on some things. Now it's almost impossible to get them to correct stupid problems.

 

For actual account issues, you can always go through the people who have the account to try and rectify it. Every one of my three have something wrong about the dates where I have lived, and my dates of employment.

 

I've had zero luck getting that kind of stuff fixed. The automated forms for disputing stuff are all geared towards incorrect account status.

To check your credit report for free (no scores) and to file a dispute: 

 

Equifax https://www.ai.equifax.com/CreditInvestigation/

 

TransUnion http://www.transunion.com/dispute

 

Experian http://www.experian.com/rs/equifaxinvestigations.html