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identity security questions

Valued Contributor

Re: identity security questions

I knew they were watching us, but dang that's excessive.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 11 of 14
New Member

Re: identity security questions

It really is creepy. I could get past that if they would actually let me open an account. The crazy thing is that I've never had a joint account or co-signed with anyone for anything. I'll try contacting the CRA's to see what they suggest, but I'm guessing it's a hopeless situation. 

Message 12 of 14
Established Contributor

Re: identity security questions

If you want to be very creeped out pull your Lexis Nexis Full File Disclosure reports.  I believe this is where the CRAs (and MANY others) get much of their info on you.   

Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board

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Message 13 of 14
Valued Contributor

Re: identity security questions

The Lexis / Nexus report is the source of the associated persons. I pulled mine once a few years ago and they had addresses going back 20 years as well as the "current resident" at that address. There were several names in the section about associated persons who I had no idea who they were. But there is also not an easy way to dispute or clear information from that report. They are simply aggregating information from various databases and do not respond to consumer disputes.

Best financial advice I ever got: "Just imagine what an adult would do and do that."

Starting Score: 500's
Current Score: EQ 701 (FICO) TU 721 (FICO) EX 715 (Quizzle)
Goal Score: 760 ALL

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Message 14 of 14