Quote:
Originally Posted by invalidiuser
Hello, I got a question. My wife name is the same as my sister in laws name. First and last name. Figures My sister in law has some collection agency's after her and because both her first name and last name is the same, the collection agency are sending her things to my wife. She is trying to avoid them so she so far changed her phone number six times already because they keep calling her.
I guess when they googled the name, the first name that popped up was my wife's and our address. For some reason when doing a credit report and I do not know why, both of my sister in law and my wifes social security are linked together somehow. That is where I am confused also.
But anyhow, all of my sister in laws debt and even bankruptcy shows up on my wife's credit report. She never filed for bankruptcy before and never had several credit cards showing up under her name. She only have one credit card which.
Tried writing to credit beaurea but does not seem to work. I was thinking about hiring those credit counseling to help but didn't want to waist any money if they wasn't going to get anywhere with it. So right now my wife's credit is all messed up because of the social security linking to each other, same first name and last name.
What do you suggest we can do to clear this up and with the least amount of money needing to hire someone to do it.
Thanks
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First and foremost, I would almost never recommend going to one of the credit council scams... er... services.
This is a challenging (not to mention frustrating) situation to deal with, but ultimately persistance on your end will pay off.
You can check each of the credit reporting agencies for free at
www.annualcreditreport.com and dispute innaccurate data right online. Depending on the specific circumstances, they may require certain documents as proof that it wasn't actually your wife that is on those accounts, but generally they are required to prove that it
is, or they are obligated to remove the accounts from your wife's bureaus. Make sure, though, to do this with all three agencies, as most lenders look at a compilation of the three and if it's still reporting to one it will still negatively impact the score and actual loan itself.
Hopefully this helps - let me know if you need anything else