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Isaiah2990
Posts: 86
Registered: ‎04-28-2012

My birthday is wrong on my EQ credit report..?!?

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 ?


Starting Score: FAKO EQ 497 EX 516 TU 517 (4.28.12)
Current Score: FICO EQ 587 (9.29.13) TU (GECRB) 596 (2.19.13) EX (USAA) 482 (3.12.13)
Goal Score: 700 all across the board!
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: My birthday is wrong on my EQ credit report..?!?

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.

Regular Contributor
Quips
Posts: 157
Registered: ‎03-05-2012

Re: My birthday is wrong on my EQ credit report..?!?

 

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.

FICO: EQ 769, TU 762 , EX ???


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