Ok here its the whole story. I am an F1 student, I started working at my university were I got my social security card. When I got my social security card, my full name was added First name, second name, last name, surname (mother's last name). My social security card says for work only authorized by DHS. I got my SSN December 2011. On July I co-signed a lease, for the car I am currently driving. I am the one paying it. In August I took out a credit card with bank of america, a cash rewards card with a 99 secure deposit $500 limit. In november I got a Kay Jewelry credit card, low limit too $500 I believe. Since then I haven't added anything else, no other accounts. All the other things like light bill, rent are under my name. For all these things, the companies used my first name middle name and last name, not my surname (mother's last name), and my SSN. Since Jun 2012 I've been working in a company outside of my university, under OPT (work authorization), they also use my SSN. In early february I wanted to purchase a motorcycle with credit, so I wanted to find out what my credit score was before I even applied. Went I tried to get the annualcreditreport, none of the three companies was able to give it, always giving me an error message to contact their customer service. I contacted equifax first, they tried to set up an account for me to see my report but it failed, so they asked me to fax my ssn and ID, which I did. The first time they said they hadnt recieved it, so I talked to the dispute department and faxed it straight to them. They then added the ssn and ID and looked up my record and said I had NO RECORD, 0 credit, NO accounts linked to my credit report. I then contacted hyundai, bank of america, and kay jewelry, and all three said they had been reporting monthly to all three Credit Bureaus, we confirmed my information and it was correct (name, address, and SSN). I passed on this information to equifax and they insisted these companies never reported anything. Kay jewelry decided to help me a little bit more, and a credit specialist from that company contacted equifax. According to this credit specialist, equifax said they had no history because they had been rejecting the reports because I had an "invalid" SSN. My SSN is not invalid. The kay jewelry credit specialist said to contact equifax again since she had talked to a supervisor and they would be able to fix the issue now. I called, and the representative said "the companies are not reporting anything, there is no credit on file". So circles. I contacted the social security office, they confirmed the name used in the system was my full full name, however that companies could find me different ways meaning using only my first name and last name. So my SSN is NOT invalid. So I don't know if I am just dealing with retarded call representatives or I'm a victim of a major screw up by.....mmm idk who. What do you think?
