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Discussion in 'Credit Talk' started by Julie, Jan 12, 2001.
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Could you clarify your situation a little better? I didn't quite get your question.
Are you saying that your positive accounts are showing on your husband's credit report, while half the negatives are still remaining on yours? Are the cards you applied for recently in your name only? And the negative accounts...are they in both you and your husband's names?
As I said: all the BAD ones on my report, were still showing UNPAID, although I paid them all off three years ago. Of those 22, 11 are showing up on my husbands report, as unpaid. I don't really understand, but when I called Transunion, they were supposed to be updating me(they were supposed to remove the 22 bad ones I paid off). But when i called, they told me my bad ones, were showing up under my husbands ss#, and when people want to give me credit, they are seeing double on me. Not sure, but Transunion told me, they made a mistake, and were trying to clear it up, investigating. I told them I was only calling to get my "update", but then she said there was a data entry mistake, and my old stuff was showing up on BOTH mine and my husbands. They said it was the reason that I had been getting turned down, and getting only small bits of credit. My question is: if they made a mistake, on my report, and that contributed to me getting turned down, can they do that? Their mistakes have been costing me credit. So, I think my bad stuff is showing up TWICE. The credit cards I have are in my name, not my hubby's. I have Cap one, $250, new Providian, $100, Direct Merchants, $400, and a fingerhut, $400. I have never been late, and pay double or triple. But, when I tried to straighten up my report, I found Transunion had screwed up, by putting my info twice, on my, and hubby's.
Isn't it amazing that the whole world revolves around the big 3 CRA's. The information that everyone relys on being accurate and correct, is only as accurate and correct as the moron imputing the data.
Sorry to hear about your situation. Good Luck