calling file experts

Anonymous · ‎09-08-2010

i have a friend that has 2 ssn and 2 different files at each bureau

how can he get them merge together they both have bad accounts

AndySoCal · ‎09-08-2010

Get a credit report from each bureau annualcreditreports.com will do for this problem. ( you do not need a score) After you have the the credit reports call each bureau and and talk to a person and explain about the second ssn and you want to combine the files. Did your friend imigrate to his country by chance ? Keep up posted.

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IOBA · ‎09-08-2010

Why does the person have two identities?

Why would the person want the two accounts merged? You specifically said that both had negative accounts on them.

RobertEG · ‎09-08-2010

I agree with IOBA. Before making waves, the real question is why and how did the person obtain two separate SSN's?

It is one thing for a creditor to report an incorrect SSN in their credit reporting, but it is an entirely dfferent thing for one to dispute credit reportring because the consumer has two SSNs. Can you explain?

Anonymous · ‎09-09-2010

@IOBA wrote:
Why does the person have two identities?

Why would the person want the two accounts merged? You specifically said that both had negative accounts on them.

That's the million $ question.

Many times people have two SSNs when one for questionable purposes has had to invent a new identity or legal presence in the country. It is extremely rare for the SSA to allow an individual to change their original SSN.

Depending on exactly why one has two SSNs, there may be some serious disadvantages to having the two files merged.

mrldp40 · ‎09-09-2010

thanks guys , no he is american . he has 2 different ss cards i have seen them

the only reason he want to merge them is hes sick and fixind to sign up for ss check

and he doesnt want to get in trouble

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inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500

haulingthescoreup · ‎09-09-2010

@mrldp40 wrote:
thanks guys , no he is american . he has 2 different ss cards i have seen them

the only reason he want to merge them is hes sick and fixind to sign up for ss check

and he doesnt want to get in trouble

Well, he may have some 'splaining to do as to how he wound up with essentially two government identities.

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Anonymous · ‎09-09-2010

@mrldp40 wrote:
thanks guys , no he is american . he has 2 different ss cards i have seen them

the only reason he want to merge them is hes sick and fixind to sign up for ss check

and he doesnt want to get in trouble

I'm sure he does have two ... and he can have ten. $50 each on the corner opposite Citibank on Durfee Ave. in Monterey Park, CA.

Just can't have two legally unless, perhaps, he's in the Witness Protection Program.

AndySoCal · ‎09-09-2010

The reason why I asked was. The INS issues a nine digit number during the imigration process similiar to an SSN but it is not. I have seen where this number has been used as an SSN. I hope my question did not offend any one.

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Anonymous · ‎09-09-2010

@AndySoCal wrote:
The reason why I asked was. The INS issues a nine digit number during the imigration process similiar to an SSN but it is not. I have seen where this number has been used as an SSN. I hope my question did not offend any one.

I haven't seen where USCIS does that, but perhaps they do. Still, most creditors will verify a SSN through some publicly available services. Any 9-digit number other than a legitimate SSN would not verify successfully.