05-08-2013 07:03 PM
Whenever I apply for something using my full name, social security number, and date of birth...My brother's credit report always pops up. He's 5 years my senior. It would be nice if he had good credit, but he doesn't.
When I applied for my Chase Freedom card two months ago, the credit analyst asked me about some outstanding loan from the Navy Federal Credit Union. Instantly, I knew it was my brother's. I asked her for the name and behold... she said his name even though I applied on the application with my own name, social, and dob. She later found my information. I don't even know if she gave my brother a hard pull...
Today...I called up PG&E and asked them to do a soft pull for my apartment. After being denied, I called the number to Experian. I gave them my full name, social, and dob again and ... they came back telling me my brother's name.
They said they will call me back between 24-48 hours. I hate having similar names to my brother. Our social security and date of birth aren't even remotely similar.
05-08-2013 07:17 PM
That's screwy how that happens sometimes. My Dad and I have the exact same name, aside from the JR. or III and our birthdays are only 9 days apart aside from the year of course. But I've never had that problem. I wonder how that stuff happens...weird
05-08-2013 07:18 PM
05-08-2013 07:32 PM
Yes. We use the same address, which makes it worse. I will wait until Experian gets back to me before proceeding further.
05-08-2013 08:36 PM
05-09-2013 08:13 PM
I would get your credit report from each bureau and work with each bureau to seperate you and your borothers creidt history. I would use annualcreditreports.com for this purose its free as longs as you do not buy a score. The socre is useless for the purpose you need the credit report. Are you and brother still sharing a common address currently?
05-10-2013 12:22 PM
My mom had a similar issue with a woman who lived in the same part of the state as she did, whose first and middle name was the same as my mom's, and whose SSN was one number different.
05-12-2013 09:22 AM
That's a real bummer. Experian did call me back and corrected the issue. They also made a note on my file. For future references, they advised me to let the creditor pulling the report know in advance about my situation, as well as use my middle name as well. I pulled my free credit report already, so I'm waiting until the next one to see if there are any mix ups. We are going to pull a free report for my brother today though, just to make sure he didn't get any hard pulls because of the confusion.
Thanks for all the tips.
05-12-2013 09:29 AM - edited 05-12-2013 09:31 AM
05-12-2013 09:59 AM
I did not get denied.. it was a soft pull from Experian through PG&E. I wanted to waive the deposit, but apparently my score/history wasn't good enough. I think they use a different scoring system (TEC?), which was why I was denied.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.