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Valued Contributor
Posts: 1,057
Registered: ‎09-29-2009
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Re: Possible incorrect information that isn't showing on my report copy?

It's very possible that the old addresses and incorrect addresses are being generated from a Lexis/Nexis report. I pulled my file from them once and it had addresses and possible relationships from people and places I have never lived at. If I remember correctly their system did not have a method for consumer dispute, but it has never been an issue. The only time I have seen anyone really use their report information was for a background check. They have a lot of info that is not included in a credit report from the three bureaus.

 

Their credit account information was very incomplete and they did not offer a credit score of any type. I believe that they are just utilized for other information and not in a credit decision. If there was any question on a background check from their information I would just state that the information was inaccurate. I personally have never encountered a problem with employer or government clearance background information being inaccurate and questioned. The accurate information did require some explanation. Especially as it applied to my prior credit behavior.:smileyembarrassed:

Best financial advice I ever got: "Just imagine what an adult would do and do that."

Starting Score: 500's
Current Score: EQ 701 (FICO) TU 721 (FICO) EX 715 (Quizzle)
Goal Score: 760 ALL


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