Thursday, January 24, 2013

Dealing with credit report errors

I just realized that my credit report has several errors on it. None of them should reflect my credit, but I just thought I would take some time to fix it. The problems I have is that for some reason there is an extra address that they all think that I live on and also I am apparently according to some of them owning a US company (That also doesn't exist), which is problematic since I am not allowed to operate a company in the US based on my visa.

Trying to deal with this is kafkaesque. First of all Experian just flat out refuse to give me my free annual credit report so there is nothing I can do there for now. They give me a weird error message that refers me to a phone number that when called refers me back to the web page. There is also no place on their web page to either call or email someone about issues. I wish I cared enough to sue, because I am pretty sure what they are doing is illegal... But who has the time.

The other ones actually does work and I have successfully at least lodged a request to remove the address I've never lived at. However the company that they think that I own is nowhere on my credit report for me to even dispute and I have no idea how to get that off there so I guess I am screwed there too.

Will be interesting to see if they will actually modify my report... So far I am not super optimistic.