02-17-2013 06:27 PM
02-18-2013 12:02 AM
It really is creepy. I could get past that if they would actually let me open an account. The crazy thing is that I've never had a joint account or co-signed with anyone for anything. I'll try contacting the CRA's to see what they suggest, but I'm guessing it's a hopeless situation.
02-18-2013 08:14 AM
If you want to be very creeped out pull your Lexis Nexis Full File Disclosure reports. I believe this is where the CRAs (and MANY others) get much of their info on you.
02-19-2013 09:12 AM
The Lexis / Nexus report is the source of the associated persons. I pulled mine once a few years ago and they had addresses going back 20 years as well as the "current resident" at that address. There were several names in the section about associated persons who I had no idea who they were. But there is also not an easy way to dispute or clear information from that report. They are simply aggregating information from various databases and do not respond to consumer disputes.
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