It is currently Thu Mar 28, 2024 5:29 am


Post a new topicPost a reply Page 1 of 1   [ 6 posts ]
Author Message
 Post subject: Help - My Credit's been f'd with, I think...
PostPosted: Fri Jan 13, 2017 9:57 am 
Phoenix
Phoenix
User avatar

Joined: Thu Mar 16, 2006 11:48 pm
Posts: 2951
Location: Spokane, WA
TL/DR; looking for contact info for anything / anyone that can help with bad info on those "security questions based on your credit report"... because I keep getting questions about someone else and it's freaking me out.

My bank can't / won't help, I've looked at all 3 credit reports from 6 months ago and they were fine - I'm in the process of requesting new ones, but meanwhile I can't get to any of the major credit bureaus by any number I find on the internet.

Last month I tried to set up a new account with my bank over the phone, and when they gave me the questions, every single one was not about me, and in fact had a different name (like Bob Olson, not Kristin Olson). Of course I failed the questions and the Bank did nothing to help me figure out what going on - in fact I don't think they ever understood why I was concerned! Someone in the Fraud department said he looked at a snapshot of my credit report and didn't see anything off... so I let it lay as a glitch (what the fraud guy said). To get the account I had to go personally into a branch and show my ID.

Today I went to create a login on milconnect so that I could update my old info in DEERS, it gave me the questions... first time through, 2 of the 4 were about me - the other 2 were about a new HELOC in April of 2014 and the name of a roommate (answering "N/A" resulted in failing the security check). The second time through, 2 questions about me, 2 questions about someone else again (this time for a "mortgage" in April 2014 and another one (I forget cuz that's when I really started freaking out)... "N/A" for both gave me the Failed message.

At this point I don't know what the F is going on - if they show a mortgage in April 2014, you'd think it would have been on my credit report from 6 months ago, but maybe not?

Any help or suggestions would be GREATLY appreciated!

_________________
Bye Bye Boys
Have fun storming the castle!
Image


Top
 Profile  
Reply with quote  
 Post subject: Re: Help - My Credit's been f'd with, I think...
PostPosted: Fri Jan 13, 2017 6:23 pm 
Site Admin
Site Admin
User avatar

Joined: Mon Mar 06, 2006 7:32 pm
Posts: 11622
Location: Utah
That's a new one to me. Hopefully you get it figured out.

_________________
If you have it in your power to do something great and important and wonderful then you should. - Dr. Robert Zubrin


Top
 Profile  
Reply with quote  
 Post subject: Re: Help - My Credit's been f'd with, I think...
PostPosted: Fri Jan 13, 2017 11:37 pm 
Moderator
Moderator
User avatar

Joined: Tue Mar 14, 2006 11:57 am
Posts: 9790
Location: same as it ever was
Seems this isn't a new thing and I didn't find anything that indicated an actual problem. Some folks postulate it's a way of getting people to sign up for their services even.

https://www.bogleheads.org/forum/viewtopic.php?t=120578

_________________
Ignorance more frequently begets confidence than does knowledge - Charles Darwin


Top
 Profile  
Reply with quote  
 Post subject: Re: Help - My Credit's been f'd with, I think...
PostPosted: Sat Jan 14, 2017 12:27 am 
Phoenix
Phoenix
User avatar

Joined: Thu Mar 16, 2006 11:48 pm
Posts: 2951
Location: Spokane, WA
I saw that too, but since it happened in places other than their sites, I wasn't sure. And when I did get to 2 of the 3 later this afternoon, neither offered the monitoring service.

_________________
Bye Bye Boys
Have fun storming the castle!
Image


Top
 Profile  
Reply with quote  
 Post subject: Re: Help - My Credit's been f'd with, I think...
PostPosted: Sat Jan 14, 2017 8:21 am 
Site Admin
Site Admin

Joined: Mon Mar 13, 2006 3:24 pm
Posts: 9265
I use credit karma - free service (I was totally skeptical at first and maybe I am missing something but it's been great for a year). Its just a review of what's currently on your credit history. It seems fairly up to date and - like I said - free.

_________________
"A problem cannot be solved with the same level of awareness that created it" - Albert Einstein

http://www.thehandsondad.com


Top
 Profile  
Reply with quote  
 Post subject: Re: Help - My Credit's been f'd with, I think...
PostPosted: Sun Jan 15, 2017 10:21 am 
Moderator
Moderator

Joined: Thu Jun 29, 2006 7:58 pm
Posts: 1937
Location: Oregon
AnxietyClown wrote:
I use credit karma - free service (I was totally skeptical at first and maybe I am missing something but it's been great for a year). Its just a review of what's currently on your credit history. It seems fairly up to date and - like I said - free.


This is what I use as well. I have nothing but good stuff to say about it, but I'm certainly no personal credit expert.


Top
 Profile  
Reply with quote  
Display posts from previous:  Sort by  
Post a new topicPost a reply Page 1 of 1   [ 6 posts ]


Who is online

Users browsing this forum: No registered users and 16 guests


You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot post attachments in this forum

Search for:
Jump to:  
cron


Powered by phpBB © 2000, 2002, 2005, 2007 phpBB Group
twilightBB Style by Daniel St. Jules of Gamexe.net