05-07-2012 04:06 PM
When I made an account I had to do verificiation with customer support with FICO and they told me my b-day was listed as July instead of June..how do I get this changed ?..and how could this have happened ?
05-07-2012 06:45 PM
One of your current creditors are likely the one who misreported your DOB. It could have happened simply by hitting 7 instead of 6 within the app or maybe scrolling to July instead of June. The CSR could have miscued it. I'd check all 3 reports regularly. If this is the case, you should see your DOB bounce back and forth and if that's the case, it's easy to narrow down who is misreporting it. Also, on your EX report as pulled directly from EX, you'll see demographic codes next to each TL. Those codes translate back to your DOB and you can cross-check and find the misreporting TL, provided they report to EX.
05-08-2012 01:25 PM
I had a similar issue on my EQ - they had the birth year wrong - 1965 vs 1956. I put in an onlne dispute - then faxed them a copy of my drivers license. Make sure you reference the dispute number they assign on the fax. It was corrected in about a week.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO