Wrong date of birth

Anonymous · ‎04-10-2018

In reviewing my trans Union report it has my date of birth wrong. Has my father's birth year. When I look at trans Union report I see my past and current installment loans, however when I pull a 3 bureau report from Experian it shows trans Union report with a lot of missing creditors and no installment loans. So at this point not sure what a creditor would see if they pulled my credit. Getting ready to purchase and need them to see installment loans. Talking to trans Union directly is more then frustrating

thornback · ‎04-10-2018

Order your hard copy paper report from each bureau. That is the only way to know for sure exactly what information is / is not correctly listed / missing. The web based reports are no where near as comprehensive.

Once you receive them, review. If something is incorrect - do not dispute online. Write a letter and include any supporting docs necessary (copies of ID, birth certificate, ssn card, etc. ). Send the letter Certified Mail so someone has to sign for it. Then wait for them to update your files.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

Anonymous · ‎04-10-2018

Actually got decent person on phone at TransUnion that corrected the date of birth. Stated I had two separate files which may explain why when I pulled from Experians site for TransUnion it was different from the one on TransUnion and missing some accounts. Transferred me to supervisor in states that merged the files. Hopefully solved issued and didn't create more.