smartypants Posted October 13, 2003 Report Share Posted October 13, 2003 I tried to get TU to change my last name and they refused to do it. They sent me a letter that said:Re: Name ChangeCreditors add your name into their records exactly as you have provided it to them. They then report your name to TransUnion as it appears in their record. If you would like your name to appear differently on your credit report, contact your creditors directly. anybody know how to make them change it without going directly to creditors? Link to comment Share on other sites More sharing options...
sisflomi Posted October 13, 2003 Report Share Posted October 13, 2003 Did you send proof of who you are when you sent the request? Link to comment Share on other sites More sharing options...
kb9tbq Posted October 14, 2003 Report Share Posted October 14, 2003 Should just be able to send copy of drivers license showing your proper name.. and that you want the incorrect name removed.Some times them reps at the CRA can be a PITA - so sometimes if you get one like that - just say thank you, hang up and call right back again to get a different person. I know that they can change, cause creditors mess my name up all the time!!! Link to comment Share on other sites More sharing options...
Randysbarb Posted October 14, 2003 Report Share Posted October 14, 2003 I just posted on another thread asking for help with this same exact problem. I've written and called and can't get them to do a darn thing. No addy changes, no name changes, etc...even sent them a copy of DL, SS card and utility bill with the request. What is the next step? Link to comment Share on other sites More sharing options...
kb9tbq Posted October 14, 2003 Report Share Posted October 14, 2003 So, what is likely happening - is that you have a current creditor that is reporting (tying the incorrect information to the file).Would suggest calling the CRA and asking the rep for the name of the exact creditor that is reporting incorrectly so you can hunt them down to make the correction their direction. Hopefully a creditor you can contact.Otherwise, the only other way I can think is to bump that creditor off of your credit report - then to back to dispute name / address with the CRAs.Sometimes you have to work the problem backwards. Link to comment Share on other sites More sharing options...
Randysbarb Posted October 14, 2003 Report Share Posted October 14, 2003 KB that's another issue. I can't get a FICO from TU because they say that I have no account that have been reported in over six months. I feel like suing the hell out of them just don't know how or on what grounds.Maybe $100,000 for being such a Sh**ty agency. Link to comment Share on other sites More sharing options...
kb9tbq Posted October 14, 2003 Report Share Posted October 14, 2003 Do you have open accounts with balances in the last 6 months?All 3 of the CRAs scores rely on that one fact most, be fore the score can go into affect.. and it does not matter if you have 20 paid and closed, or collection accounts outstanding by a few years. It still won't pick up a score if nothing active in 6 months. Link to comment Share on other sites More sharing options...
sisflomi Posted October 14, 2003 Report Share Posted October 14, 2003 Thats the same problem we are having with bf's report for EXP. FICO says we need 1. An open account that has been updated in the past 6 months. or2. An account that is open for a year. (something like this)3. No notation of being dead on the report.Funny thing here is he has 1 cc that is a year old, open and reported with an update each month. There is a new cc that started reporting in July of this year. There is a secured cc that just showed up saturday. There is an installment loan that reported in September. Not to mention he was getting a FICO score before we disputed his bk accounts as inc in bk. They are really ticking me off with this. Each time I email myfico they say contact exp and exp says its not their fault. So who do you blame? Link to comment Share on other sites More sharing options...
kb9tbq Posted October 14, 2003 Report Share Posted October 14, 2003 Has he been maintaining any balances one these accounts?It might just be over looking them without actual activity. Hard to say, I know I have some default codes on scoring and that would be the most common thing I have seen to show lack of score.Unless, the negative just totally outweights the positive - that could also be. Link to comment Share on other sites More sharing options...
sisflomi Posted October 14, 2003 Report Share Posted October 14, 2003 Well 3 neg iib accounts and the bk. Then there are 16 good accounts. There is a balance with the new secured installment, a small balance with mc hhbk account, and target just updated with 0 balance last week. There has a balanace reported for them all since they were reported, even if they are small balances. Link to comment Share on other sites More sharing options...
kb9tbq Posted October 14, 2003 Report Share Posted October 14, 2003 Has this been 6 months straight of recent activity? Think that is it right there, sorry... was working circles on the obvious. Link to comment Share on other sites More sharing options...
sisflomi Posted October 14, 2003 Report Share Posted October 14, 2003 The funnest of all about this is that we had no prob at all getting the fico until we disputed two of the bad accounts as iib. After that dispute we could no longer get into the fico to get a score. Target has been reporting for 5 months, hhbank I have no idea as I added him as joint and dont remember when I did this. Had to of been around june or july. Of course the other two are new, one showed up sept one this past weekend. It just makes no sense on what they say when we try to get the score from myfico.com. Thank you for your interest in FICO-Scored Experian Credit Profile.We regret we are unable to fulfill your order request because your credit report does not currently contain enough information to meet the minimum scoring criteria required to calculate a FICO® score. In order for a FICO score to be calculated, a report must contain:At least one account which has been open for six months or more.At least one account that has been updated in the past six months.No indication of deceased on the credit report.The minimum criteria is designed to ensure that there is enough recent information in the report on which to base a FICO score.If interested, you may obtain a copy of your Experian Credit Profile online (without FICO score) by clicking here, which will link you to Experian who will process your request. Link to comment Share on other sites More sharing options...
kb9tbq Posted October 14, 2003 Report Share Posted October 14, 2003 That is it, 6 months of consistant activity - sorry my oversight on that part. He should be back in the loop here in another month or two!Have to have 6 months current history on the credit report, and that current history has to be updated at least once in six months / well that kind of conflicts, but that is what it means. Link to comment Share on other sites More sharing options...
sisflomi Posted October 14, 2003 Report Share Posted October 14, 2003 That is it, 6 months of consistant activity - sorry my oversight on that part. He should be back in the loop here in another month or two!Have to have 6 months current history on the credit report, and that current history has to be updated at least once in six months / well that kind of conflicts, but that is what it means.This is what gets me. Even thought the iib accounts were updated to show that the target and hhbk cards were both being reported before that happened. Its just not right, the hhbk shows a year of history on his report. That should count. And exp sends us a fako score of 625 to boot. So exp can get a score but my fico cant. Just crazy. Link to comment Share on other sites More sharing options...
kb9tbq Posted October 14, 2003 Report Share Posted October 14, 2003 That bankruptcy listing - took them out of the loop for pinging the score. So now it is going to rely on the other accounts to get that score back.Think the coding of the tradelines make all the difference and now we know that it ignores bankruptcy listings. Link to comment Share on other sites More sharing options...
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