How to fix SSN on credit report?

Guest 0.10 Dollars($)

I've recently applied for a credit card with a bank. But they've reported that the SSN that they have received from Equifax does not match with my actual SSN. What I think is, SSN has somehow mixed up the last 3 digits. So how do I correct this? I even tried to get a copy of my credit report online but didn't get it because my SSN wasn't matching with the one Equifax has. I even tried to send the agency a letter requesting them to fix the error and added a copy of my driver's license and SSN card. But I need to fix it asap. Is there anyway I can make it fast?

patricia · Joined: 16 Jan 2008 Posts: 133 0.92 Dollars($)

Well, If the no. doesn't match then how do you know it is indeed your report? I tried to get a copy of my hubby's report and they kept saying they could not find it.

gmakerley · Posted: Tue Feb 05, 2008 7:45 am Post subject:

calling each of the three credit respositories ought to give you sufficient information on how to proceed.

call equifax at 800-685-1111
call trans union at 866-887-2673
call experian at 888-397-3742

i would have to surmise that speaking with a live human being from each of these agencies ought to give you the information you need to take the appropriate corrective action.

banker0679 · Posted: Wed Feb 20, 2008 1:05 pm Post subject:

Sending the letter may be the only option to fixing this.
You will need to send a letter stating the problem, and sending a copy of your drivers license/passport WITH a copy of your social security card.

Make sure to send to all 3 bureaus, and in the letter ask them to send a copy of the current credit report to insure it has been changed.

bobbybarger · Joined: 22 Feb 2008 Posts: 8 4.69 Dollars($)

You'll need to send everything certified and keep on them. Be sure everything on your report is YOURS and someone isn't trying to use your identity which is very common. It's also possible and very common for agencies to just search for a name and insert credit lines, rather than using ssn.

Don't expect much help on the phone, ESPECIALLY with TransUnion.

banker0679 · Posted: Fri Feb 22, 2008 8:07 am Post subject:

Since when do PO Boxes accept certified letters?
Sending 'certified letters' are for original creditors as they provide a physical address.

fireyone_02 · Joined: 20 Mar 2008 Posts: 281 2.17 Dollars($)

I hear alot about tranunion not being much help. Where does that leave a person to turn in a matter like this. I thought that is why these places was there for. I usually read my eport through equifax. I find it a little easier to read.

adonis · Posted: Thu Mar 27, 2008 10:45 pm Post subject:

Is that so? well I don't have much experience with Trans Union, aren't they helpful enough. If they don't help, then how would a person fix errors in the credit report.

fireyone_02 · Joined: 20 Mar 2008 Posts: 281 2.17 Dollars($)

Its probaly gonna be a long battle. With the way identity theft has taken off everything that involves a socoal security number is getting more complicated. M y son needed a new social security card and i came close too not getting him one because I didn't have the exact documents they wanted. That is a long story. Sounds like the OP is gonna have some hassle correcting this one. It can be corrected...with a lot of patience. Hope it all works out.

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