Correcting Incorrect Information on My Credit Report

Like a lot of other personal finance bloggers, I’m a huge fan of Annual Credit Report. Unlike a lot of other services, this one is actually free and since you’re requesting it, it does not cause a hard inquiry on your account. Each year, you can get a free credit report from each of the three reporting credit bureaus: Experian, Transunion, and Equifax. You can get all three of them at once, or you can spread them out over the course of the year, getting them evenly once every 4 months. You have to wait 12 months to get a free report from the same bureau, so choose carefully.

I tried to get my free credit report online through Equifax awhile ago but was denied for some reason. I tried again a few weeks later but again got rejected. It wasn’t all that important to me at the time because I haven’t noticed any fraudulent behavior, but when the same thing happened a few months later, I got curious. I don’t need the credit report, but since I’m entitled to one, I definitely want to find out what’s going on!

I looked through some of the details and requested that they mail me my report. A few weeks later the full report arrived, and everything looked normal. I saw all of my accounts, everything was up-to-date, and I still had no answer as to why I couldn’t receive the same information online.

Then, I noticed the error. My birth date was wrong. I was born in August but the report showed I had a birth date in May. How dare they!

This isn’t something that had changed, so I don’t know why my access was suddenly revoked, but my next mission was to get this changed. I couldn’t just call them and tell them that they were wrong (I couldn’t but that wouldn’t change anything for the future), so I knew I’d have to send them some real verification in order to correct their error.

I filled out a form online and they accepted it and said to send in a copy of my passport and a copy of my license, both of which have my correct birth date on them.

I scanned them in, printed them out, and sent away my information. A few weeks later I got a report saying it had been updated and they would notify the other credit bureaus of the correction.

Pretty easy if you ask me! A little bit of a hassle but I’m glad to see that it’s taken care of now.

While scanning my license, I did find another error, this time on my California license. Somehow, they had me listed as “Sex: F”

Oh, no! I get the feeling the DMV is going to be a lot more of a hassle than the credit bureaus.

Correcting Incorrect Information on My Credit Report

Sweating the Big Stuff

One thought on “Correcting Incorrect Information on My Credit Report

Comments are closed.

Exit mobile version