This is my first post. I came here in utter frustration prompted by the fact that recently a Credit Card company, using an Equifax report to justify it, tried to raise their rates on me and lower my credit limit to below it's balance. After a two week flurry of letters and documentation I received their letter today rescinding that action. To tell that story would take up a lot of this message and I'll probably tell the epic tale in another post soon. The experience left me tense, angry and absolutely outraged at the practices of Credit Card Companies, Credit Reporting Agencies, and the lack of restitution or consequences when items are misreported. The same company that tried to use the report against me to justify their own action was actually one of the companies to misreport! I've had so much bad stuff on my credit report that I first discovered in 1998 when I found that two women with the same name as I were being reported to my credit report. One was born 30 yrs before I was and lived 1500 miles away and the other was born who knows when but didn't have a SS# at all so she was lopped onto mine and she also lived about 1300 miles away. I managed to get all of that cleaned up but when I checked back a year latter there were newer items, again, not belonging to me. I fought again and then lost interest and never followed up as I should have. I just didn't care enough. Now, however, after this latest incident I'm almost obsessed. It's not just these imposters either. There are several lates recorded that are wrong. There are inquiries I didn't authorize, my personal information is not recorded correctly, and my mortgages (we have two homes) are recorded such that I believe it looks to creditors (or the creditscoring software) that one is an original mortgage and the other must be a home equity when in fact one is our primary residence and the other is our secondary residence. With respect to scoring, I don't think I'm getting any credit either, for the length of time I've had the first residence because that is now secondary and the newer home is our primary. The whole thing, the scoring, the misreporting, the credit card company practices to raise their rates, just has me fighting mad. I want them to pay for their mistakes and correct those, particularly the scoring model, that ruin a financial reputation. I'm looking to join or start any organized campaign to right this wrong.