Fixing Credit Report Errors

Rusty WrenchA few years ago I had a little credit report error incident. I just started a new job and was going through a background investigation, which included a review of my credit history. In the course of that review, the investigator noticed that there was an address listing on the report that I hadn’t previously disclosed. The reason I never mentioned the address is because it wasn’t mine.

When he told me, I feared the worst. I thought I was joining the millions of people who have their identity stolen each year. In fact, just a year before that, a friend was telling me how it took him several months to get his identity recovered and even then everything credit-related was a pain. So my mind immediately jumped to ID theft.

Fortunately, it was an isolated, albeit strange, credit report error that was relatively easy to resolve. The error was the addition of an address, a Social Security Number (that differed from my SSN by one digit), and a telephone/cable package. I went through the usual protocols of disputing the information, thinking the onus was on the other party to prove that information was true, but I was wrong.

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