09-26-2012 02:29 PM
Thanks for the help. I posted this on the Myfico products page, but figured I would get a faster response here.
I signed up yesterday for Scorewatch. I also pulled my Ex & Tu report from the free annual provider. Today I recieved an alert that my score has dropped 13 points because my balance has increased on an account I have never seen before and is not on any of the 3 CR I pulled yesterday. I also use CreditKarma and I have not noticed an unexpected change in that score. The SW Alert is at the bottom of post.
How should I handle this? It is not on any of the CRs I pulled just YESTERDAY? Is it a SW problem?
Thanks again. This forum has been a huge help as I try to clean up my credit!
New balance: $31
Account opened: 1/2011
Amount in H/C column is credit limit
09-26-2012 02:59 PM
Thanks for the reply.
I don't have a VS account or any CC with WFNNB. It's not my account.
My issue is that I don't know what my next step should be since this wasn't on of my credit reports yesterday.
Any ideas what my next step should be?
09-26-2012 03:14 PM
I just got off the phone with wffnbvs. It seems someone is using my social security number for an account. The CSR stated she believed it was a typo and not fraud since the account has been in good standing since 1/2011 and the account is being paid every month.
This is my problem.
She is asking for me to send proof of identification and copy of social security number. She wanted me to fax it in. I expressed my concern of just sending my info out and she said I could mail it if I like.
For proving my identity, is there any other way to do this? I can't drive to OH. Should I just fax the info?
09-26-2012 03:27 PM
*lol* Or you could just let it keep reporting since it appears to be positive. *g*
Seriously, if it were me, I'd mail it, but hopefully someone more informed than I will come along and lead you in the right direction. : )
09-26-2012 03:31 PM
Actually, since it is a newer account it is lowering my average age of accounts and dropping my score.
I went to the .gov website on ID theft and found the process. As expected it is quite long and tedious. The quick fix would be just to send in the fax. They already have my info.
any other ideas?
09-26-2012 03:41 PM
Faxing, in and of itself, should be fairly secure. One other option would be to create a secure PDF file. You could print your ID and SS# to a PDF file, then use http://free-pdf-tools.org/encrypt-pdf or download a free or trail PDF encryption tool and e-mail said encrypted PDF. Contact the person whom you spoke with, ask for his/her company e-mail address, send the PDF file, then give the password to him/her over the phone. At least you would know that only that person should be the only one who sees it.
09-26-2012 03:51 PM
Thanks for the reply.
I think I will look into scanning and emailing it. Great Idea. That way I know she gets it. I am usually not this paranoid, but once you start working on your credit, you realize every little thing can come back later down the road.
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.