The other day I joined truecredit.com, whereas I normally pull through myfico.com. I had been working on getting some ID theft accounts removed from my file, and everything had been going smoothly. Then, I pulled an Equifax report through Truecredit, and I was SHOCKED. It showed a bunch of past employers that I had never seen on any of my reports previously, along with accounts that had many years ago fallen off my file due to SOL or other reasons.....EVERYTHING WAS BACK! I spent the next hours and days frantically worried, and then went to equifax.com and signed up, and pulled a report. NONE of the info on the truecredit.com report was on the EQFX file. THEN, I pulled another report through Truecredit, and everything was back to normal and none of the weirdness was back on the file...what the heck happened here? Did I go into some kind of time warp, or did it pull an investigative report by accident somehow that one time???? If it is an investigative report, I'd be alarmed anyway, since I work in an industry that is very credit sensitive, and that report the one day from Truecredit looked like an absolute debacle..and anyway shouldn't a 'full' or 'investigative report' also have the accounts over 7 years old drop off also - warning, it doesnt appear they do. Any ideas what the heck happened there?
Sounds like a full factual report that they gave you. Those aren't supposed to be disseminated except in a very few cases.
Yes ti does sound like an "investigative report". No, the "full" file do have past SOL item removed. They are listed, but cannot be "used against you". The full report should show notation of deletion/removal as well.
Thanks, that was my hunch - but question ...say they pull these investigative reports for employment purposes (which they do in my case), and I was a bonified victim of ID theft and had accounts removed as a result of the investigation. But really, potential employers probably don't believe or care about the ID theft, etc. So is it fair to have something that wasn't yours to begin with 'engraved in stone' on the investigative report ?? Is there anything that can be done to remove the info at this root level?
