Say What? Your Credit.........................

2MinsToPost · #1 03-13-2009, 05:04 PM

I just purchased a new car today, but before I did they of course ran my credit. So this guy says to me how did you like living in Georgia? Say what? I never lived in Georgia, but on my report it shows I lived in this small town in Georgia in 2006.

WTF?

geeker2 · #2 03-13-2009, 05:18 PM

Quote:

Originally Posted by 2MinsToPost

I just purchased a new car today, but before I did they of course ran my credit. So this guy says to me how did you like living in Georgia? Say what? I never lived in Georgia, but on my report it shows I lived in this small town in Georgia in 2006.

WTF?

quick..put a fraud alert on your credit report.

GBBob · #3 03-13-2009, 05:19 PM

Quote:

Originally Posted by geeker2

quick..put a fraud alert on your credit report.

yup...something funky is going on

timmgirvan · #4 03-13-2009, 05:24 PM

If you put a fraud alert on your credit report, it will freeze your credit...not a good thing! PM me,Curt

TheSpyder · #5 03-13-2009, 05:35 PM

Wait a minute..you live in Georgia...be careful Curt!

Quote:

Originally Posted by timmgirvan

If you put a fraud alert on your credit report, it will freeze your credit...not a good thing! PM me,Curt

timmgirvan · #6 03-13-2009, 05:37 PM

Funny guy!

geeker2 · #7 03-14-2009, 12:33 AM

Quote:

Originally Posted by timmgirvan

If you put a fraud alert on your credit report, it will freeze your credit...not a good thing! PM me,Curt

No it doesn't ..it just means that they must verify with you that you are asking for a credit card or a loan..it doesn't freeze your credit.

timmgirvan · #8 03-14-2009, 04:56 AM

Quote:

Originally Posted by geeker2

No it doesn't ..it just means that they must verify with you that you are asking for a credit card or a loan..it doesn't freeze your credit.

Actually it does....This is why Lifelock is being sued for fraud by Experian, State of New Jersey,and others for putting fraud alerts on consumers(which
can only be done legally by consumer) The paperwork and process to unravel the mess is daunting tosay the least.

PeteMugg · #9 03-13-2009, 06:24 PM

Quote:

Originally Posted by 2MinsToPost

I just purchased a new car today, but before I did they of course ran my credit. So this guy says to me how did you like living in Georgia? Say what? I never lived in Georgia, but on my report it shows I lived in this small town in Georgia in 2006.

WTF?

Quit complaining ... Curt from Georgia might be the reason you got the loan.

Smooth Operator · #10 03-14-2009, 09:51 PM

Quote:

Originally Posted by PeteMugg

Quit complaining ... Curt from Georgia might be the reason you got the loan.

Danzig · #11 03-13-2009, 06:51 PM

you are entitled to look at all three credit reports from the three major agencies free of charge. go to

annual credit report dot com

NOT free credit report dot com. that is a business trying to sell you stuff. at any rate, go on the first of january, or your birthday, an easy date to remember. or when you file taxes, which is when i check mine. it's a good idea to check once a year so that any funny business can be cleared up, any mistakes, etc. if you feel once a year isn't enough-perhaps you should look into lifelock or some such thing. but for most, unless you've had compromised info, once a year is plenty.
also, if you ever file for credit and are turned down, you can get all three for free-but i don't recommend waiting til then.

hi_im_god · #12 03-13-2009, 07:14 PM

Quote:

Originally Posted by Danzig

you are entitled to look at all three credit reports from the three major agencies free of charge. go to

annual credit report dot com

NOT free credit report dot com. that is a business trying to sell you stuff. at any rate, go on the first of january, or your birthday, an easy date to remember. or when you file taxes, which is when i check mine. it's a good idea to check once a year so that any funny business can be cleared up, any mistakes, etc. if you feel once a year isn't enough-perhaps you should look into lifelock or some such thing. but for most, unless you've had compromised info, once a year is plenty.
also, if you ever file for credit and are turned down, you can get all three for free-but i don't recommend waiting til then.

or instead of taking all 3 at once, just request one in january, another in may and the 3rd in september.

you're entitled to 1 report from each credit agency/year. if you stagger the requests you have a better chance of catching a mistake or fraudulent activity earlier than if you order all 3 at once.

Danzig · #13 03-13-2009, 07:16 PM

Quote:

Originally Posted by hi_im_god

or instead of taking all 3 at once, just request one in january, another in may and the 3rd in september.

you're entitled to 1 report from each credit agency/year. if you stagger the requests you have a better chance of catching a mistake or fraudulent activity earlier than if you order all 3 at once.

yeah, you could do that as well i'm sure. i've been doing it for a few years, haven't found an issue yet-which is a good thing!