I pulled my 3B report from myFico yesterday, and I was reviewing my personal information when I noticed that my birthday is completely WRONG on Experian - the month, day, and year don't match at all. EQ & TU are correct, however.
I immediately checked my free Experian credit report from last August, but it only lists the year and it was correct, so I don't know where this information is coming from. Is there anywhere else I can check? Should I file a dispute? I haven't had any issues so far, but I'd like to correct it if it's wrong.
@calyx wrote:
@KLEXH25 wrote:I pulled my 3B report from myFico yesterday, and I was reviewing my personal information when I noticed that my birthday is completely WRONG on Experian - the month, day, and year don't match at all. EQ & TU are correct, however.
I immediately checked my free Experian credit report from last August, but it only lists the year and it was correct, so I don't know where this information is coming from. Is there anywhere else I can check? Should I file a dispute? I haven't had any issues so far, but I'd like to correct it if it's wrong.
I would go to Experian.com directly and pull your report with them.
If it's wrong, then absolutely yes, you need to write/dispute to Experian and include a copy of documentation such as your drivers license or whatever they require to fix your birthdate. It's a critical piece of information that needs to be correct on your reports.
I would also consider calling them to find out where they even got the wrong information from - my EX report had a variation of my name I would never use, so I called and we figured out it came from potential identity theft.
That's the thing though, I have my Experian credit report from last year and it doesn't even list my birthdate (just the year). If I pull a new report, wouldn't I have to pay for it? I'd hate to pay for it and then the information isn't even there to verify.
@calyx wrote:
@KLEXH25 wrote:
@calyx wrote:
@KLEXH25 wrote:I pulled my 3B report from myFico yesterday, and I was reviewing my personal information when I noticed that my birthday is completely WRONG on Experian - the month, day, and year don't match at all. EQ & TU are correct, however.
I immediately checked my free Experian credit report from last August, but it only lists the year and it was correct, so I don't know where this information is coming from. Is there anywhere else I can check? Should I file a dispute? I haven't had any issues so far, but I'd like to correct it if it's wrong.
I would go to Experian.com directly and pull your report with them.
If it's wrong, then absolutely yes, you need to write/dispute to Experian and include a copy of documentation such as your drivers license or whatever they require to fix your birthdate. It's a critical piece of information that needs to be correct on your reports.
I would also consider calling them to find out where they even got the wrong information from - my EX report had a variation of my name I would never use, so I called and we figured out it came from potential identity theft.That's the thing though, I have my Experian credit report from last year and it doesn't even list my birthdate (just the year). If I pull a new report, wouldn't I have to pay for it? I'd hate to pay for it and then the information isn't even there to verify.
Nope - Experian.com will give you a monthly score for free and access to your credit report with them. When you sign in, they will try to lure you in with trial offers (most famously the $1 for the three scores), but you can skip past that splash page.
I think their site is by far the easiest of the three CRAs to navigate.
I already have an account with Experian AND a monthly subscription. I logged in on the website (instead of mobile), but it only lists my birth year. I cannot find my birthday listed anywhere. Only myFico is claiming the wrong birthday under Experian, so I don't know where they're getting this information.
@Anonymous wrote:I found the same problem with my Experian 3B report. My birthy ear is actually the correct year when I go directly to Experian. Did you ever get this sorted out? With MyFico? Thanks!
No I never did. I figured if the year is correct on my credit report and EX, then it's probably ok. The 3B date is 12/31/YY and it's the year before my actual birth year (the month and day are also completely wrong). Is it the same for you?