Cannot Get Credit Reports from Agencies

[Anonymous]

for 35 years I lived at one address. 4.5 years ago I moved (same town) different address. I am here 5 years. I am trying to get a "paper" copy of my Credit reports from each agency because they are the only ones showing the bankruptcy from May 2000. I want to see when some of these are scheduled to come off - I believe starting this year and into next. I went to annualcreditreport.com and printed out the form and sent it to each of the agencies. The only thing changed is my address. Every CC co., bank, etc. were informed of new address within 5 days of moving.  I have received a letter from each of the agencies (which by the way show a wrong address (they show 3154 instead of 315A) and a middle initial of "I" instead of "E". I suspect these forms are scanned which could have caused the errors.

The letters state they want me to send, a copy of my Social Security Card, or Pay stub showing my SS Number or a W2 form - along with a copy of my Drivers License or rental lease/deed/pay stub or utility bills. My attorney tells me not to send a copy of my SS card and/or Driver's License - that is valuable information. 

 Why would I want to put such valuable information into anyone's hands! Even if it is the Credit Agencies. That is information they should have already.

My question is this - Every thing we do now a days Credit Cards, bank loans, etc.) report to the CC agencies. So why do the CC companies not have the correct address already in their database instead of my old one. They do not seem to have me (my name) as living at this address w/this SS #. However, since I have been here I did open a new CC w/Kohl's so this address is associated w/me.

How can I resolve this w/o sending copies of SS card or Driver's license or utility bills. You cannot get a "person" on the phone at any agency?

I have ordered them on line here last year but the reports do not show the bankrupties (when they are due to come off) and that is what I want. 

Any Ideas!

Anyone have a telephone # for each of the agencies that will actually lead to a "person" and not an automation!

Thank you for your help. I am new to all of this.

eM

I mistakenly hit the RESOLVED button - do not know how to undo - Opitons will not allow....

NOT resolved...

Message Edited by megasnoodles on 04-02-2009 11:17 AM

[Anonymous]

I found my old reports which were requested in 2007 from each of the agencies and they did indeed send them to this new address. The only difference in their mailing label is that the middle initial E is missing from my name but the address of 315A is correct on one, 315 Jutland Drive A on the other, and 315 Jutland Drive on the third. One company used my middle initial E, the others did not. I always use my middle initial - I sign everything that way and always have.

So I do not understand what the problem is. 

OCR Scanning!

Now I am concerned that there is something going on that I am not aware of because I have never since filing Chapter 11 in May 2000 - been late, missed, or ignored any payment. If I am quilty of anything it is paying my bills the day they arrive! My CC balance is always paid in full. I leave no balances. I am assuming because of that my fico score which had finally gone up to 781 in May of 06  and I was looking at hopefully 800 soon - has dropped to 729 and I want to know why! that is why the need for the credit reports.

Any ideas anyone?

eM

Thank you to all,

eM

[Anonymous]

From my understanding, anytime you request reports via mail you have to send proof of who you are.

As you said, they already know your information, so why not send it? They just want to make sure that YOU know ( hopefully proving it is you who is requesting it) it before they send you the papers that show it.

If it was a CA, I would say don't send it. But I believe it is safe to send to a CRA. Send CM and you make sure it is delivered to the right place and gets delivered. Look up a fax number and fax it all.

Have you tried requesting via the website and printing them off yourself?

[Anonymous]

Sidewinder have never had a problem filling out the form and mailing it to annualcredit report. In the past I have sent it to each agency individually, again w/no problem. I have never had to provide proof of anykind, especially copies of my SS card, or my Driver's license or bills. Even my attorney doesn't agree w/that one.

The problem that I see is this, because they have sent them to the proper address before (in 2007) requesting the same way. And I was able to get it from experian on line w/no problem and or this site w/no problem, I suspect that the document was scanned and/or input incorrectly. If scanned the A could have come up as a 4 w/the OCR which then would have had to be corrected. If input by an individual - error. 

I have written a letter explaining all and included the first page from each agency (from the prior reports) showing that they do indeed have my information and that they did indeed send it to the correct address and that it is 315A and not 3154. Hopefully that will work.

I have tried going to annual credit report .com and inputting the information but only one comes up - from experian which I printed out. They claim they cannot find my information. Yet when I got them from myfico all three were there but they do not show the bankruptcy in 2000 and there are things that are scheduled to come off.

I just may out of desperation order them from here again if all else fails.

Thank you....