New here.I have been lurking for a while and find the discussions very useful, this is whole differrent world here.
Well, I've been monitoring my credit past few months and Last week I am shocked to know that my date of birth was put wrongly as 1907 in experian report.I am actually in my 30's.So, I've ordered privacy guard trial yesterday to see what it says in other CRA's and the other two reports showed it correctly. My address and other info is correct in all three reports (apart from some spell errors).
This is completely knew to me. I donot know if this is huge issue or some kind of typo that can be ignored.
I have lot of questions and am in utter confusion as to what to do. Apprecite you guys' responses.
1.Is this identity theft? How do I make sure it is not. So far I do not see any new accounts opened or address changes.Everything looks okay in the credit report. What else, should I be doing?
2.Should I dispute with Experian? Will it effect my credit score? I just bought a home and closing in September.My credit score is 680 good enough to get me prime rates.If my score goes down, I will get higher mortgage rates.
3.My address is spelled incorrectly.Should I dispute it? Will it effect my score?
4.I have been with my current employer for the past 3 years.However all 3 reports showed my previous emplyer with whom I workd for 6 years.Is this okay?
Please help me and give me your suggesstions.