New Member
Posts: 2
Registered: ‎12-14-2008
Question: Identity theft or a big mistake?

I'm new here so please bear with me!  It's been a year since I last read my reports (I know, I know).  I've signed up for monthly monitoring...


I was horrified to see that Equifax was reporting negative information -- even my name was changed on the report. I now have a new middle initial in addition to my middle name (my reports are first/middle/last name). With the last year, there were three charge offs -- 2 from ATT (been w/T-Mo for 7 years) and one from FstPremie, whatever that is. Of course, I've sent a dispute letter but I'm panicked that these won't come off the account.


The scores are TransUnion = 813 (yay!); Experian=732 (not too shabby); Equifax=619 (yikes)