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!

PeteMugg · #7 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.

Danzig · #8 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 · #9 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 · #10 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!

geeker2 · #11 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 · #12 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.

geeker2 · #13 03-14-2009, 09:32 AM

Quote:

Originally Posted by timmgirvan

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.

I don't know anything about Lifelock and how it works - but if you call Experian and telling them they want a fraud alert on your account- I've had one on my account for over 10 years-it forces the credit giver to call you and specifically confirm your request. I would say over the past 10 years they have found 5 or 6 times when someone was trying to get credit using my name or my address etc...during that 10 year period I have refi, leased a car etc...never a problem. In fact, my own bank had to call me and specifically ask if I was applying for a refi - because I had a fraud alert on my account.

For me it works!

geeker2 · #14 03-14-2009, 10:33 AM

Quote:

Originally Posted by DaHoss9698

Are you ever right?

NIAGW

timmgirvan · #15 03-14-2009, 02:24 PM

Quote:

Originally Posted by geeker2

I don't know anything about Lifelock and how it works - but if you call Experian and telling them they want a fraud alert on your account- I've had one on my account for over 10 years-it forces the credit giver to call you and specifically confirm your request. I would say over the past 10 years they have found 5 or 6 times when someone was trying to get credit using my name or my address etc...during that 10 year period I have refi, leased a car etc...never a problem. In fact, my own bank had to call me and specifically ask if I was applying for a refi - because I had a fraud alert on my account.

For me it works!

It's good to see you keep up with protecting yourself....most don't know the game, or the perils of Identity Theft

timmgirvan · #16 03-14-2009, 02:25 PM

Quote:

Originally Posted by DaHoss9698

Are you ever right?

Go back into your cave..it's still winter!

timmgirvan · #17 03-14-2009, 09:20 PM

Quote:

Originally Posted by DaHoss9698

Translation: Oops, you got me.

Not hardly....if you had a grasp of anything other than yourself....you'd know that!

Smooth Operator · #18 03-14-2009, 09:51 PM

Quote:

Originally Posted by PeteMugg

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

2Hot4TV · #19 03-15-2009, 11:10 AM

Quote:

Originally Posted by DaHoss9698

Good point....I must be the one constantly making incorrect statements on here.

I'd be willing to bet my entire life's savings that I have a better grasp of this topic than you. Especially considering how you were already wrong about it.

LOL...........You're killing me.

2Hot4TV · #20 03-15-2009, 01:50 PM

Quote:

Originally Posted by DaHoss9698

That's all you got? You've been trying for months to zing me, and this is what you came up with? I'd go back to the drawing board, or at the very least go back to the puppetmaster and beg for some new material.

For you Yes that's all Ive got and I try to avoid your endless traps to argue beyond a reasonable debate.

What made me LOL was that we all have a picture ( where its true or not ) in our minds of each other and I really can't see you having a large live savings, much less a credit score to worry about.