I have a credit score of 550 and alot of the things on my credit report I have no knowledge of what

I have disputed alot of the but still have not heard anything. some of the accounts on my credit report have a different sodial security number and were from before I was 18. am i liable for things on my credit from before i was of age and of which i have no knowledge of. How do i fix this?

I have a credit score of 550 and alot of the things on my credit report I have no knowledge of what should Ido

Big or small, note any errors and ask the respective credit agency to investigate your claim. You may be able to dispute the erroneous information online via a link from the page displaying your credit report (you can go to each of the 3 reporting agencies separately; see below) but the Federal Trade Commission recommends you put your dispute in writing and send it certified mail.

State why you believe the information is inaccurate and request that it be removed. Include a copy of your credit report with the questionable information circled and copies of any supporting documents you were able to obtain.

The credit bureau will investigate your claim and if the information is indeed found to be false, you can ask the credit bureau to send a notice of the correction to anyone who received your report in the last six months.

The FTC even provides a form letter for disputing information on your credit report and the addresses of the three credit agencies online at its Web site, www.ftc.gov.

If an investigation does not resolve your dispute, you can ask to have a short explanation, written by you, included on all future copies of the report.

Under current rules, what can you do if you just can%26#039;t get your credit file corrected by taking the proper steps of writing to major credit bureaus?

An FTC staff attorney suggests:

閳ヮ敾nder the Fair Credit Reporting Act, you can write a statement of up to 100 words stating reasons for disputing the accuracy or completeness of a credit-report item. Submit it to the credit bureau. Your statement must be added to your credit report at no charge.

閳ヮ斀hen applying for a loan, you may request in writing that the lender consider information indicating that the credit history being considered is inaccurate. %26quot;Regulation B,%26quot; which implements the Equal Credit Opportunity Act, requires a creditor to consider that information.

閳ヮ斂ou can sue the credit-reporting agency under the Fair Credit Reporting Act for %26quot;negligent%26quot; or %26quot;willful%26quot; noncompliance. Besides damages, a successful suit can also net you court costs and attorney fees.

閳ヮ斂ou can resubmit a dispute to the consumer reporting agency, but only if you have additional documentation.

The FTC staff suggests your easiest and most effective route may be to contact the party responsible for sending the wrong information about you to the credit bureau. Be sure to provide documentation of the error. Obtain a letter of correction from the furnisher. Then write the credit bureau, submitting a copy of the furnisher%26#039;s correction letter.

You quite frequently are told to go to www.annualcredtreport.com and you get one free credit report per year. I have found that if you go to each credit reporting agency separately you can get a free report at diferrent times of the year and since the agencies in general have much the same information, you can monitor changes that have taken place for the last 3 or 4 months; in that way monitoring the effevtiveness of your actions.

I have a credit score of 550 and alot of the things on my credit report I have no knowledge of what should Ido

550 is bad but it can get a lot worse. if you have a cop of your credit report, address the things that are current, first off. whatever happened in the past that you think is resolved or disputed fix them. Credit Plus offers assistance fixinf these problems within 7-10 days. Credit bureaus don%26#039;t care about what you dispute and don%26#039;t really put a rush on things to fix it. So companies like Credit Plus, bug the hell out of the bureaus to fix things until they%26#039;re fixed. I don%26#039;t see how you can have stuff on your credit report before you were 18 and that might be something you want to focus on. if the different SSN%26#039;s are similar to yours then it just may have been a typo on whoever checked or gave you credit to begin with. My advice, since you have so much stuff on there is hook up with a credit repair service and have them do all the leg work for you. they%26#039;ll let you know what documents and such you%26#039;ll need and help you get them as well. it%26#039;s a big stress reliever to have someone else do it but just make sure you get someone legit to do it.

I have a credit score of 550 and alot of the things on my credit report I have no knowledge of what should Ido

First you need to contact ALL THREE credit bureaus: Experian, TransUnion, and Equifax, and put a notification on your credit bureau that you are a victim of fraud. They should also be able to help you get phone numbers and addresses of the companies reporting the questionable items.

Then, you need to contact EACH company that is reporting incorrectly and DOCUMENT EVERYTHING. Send them letters, call them, do what you need to in order to have the questionable items removed. Keep a file of everything that you are doing. If you make phone calls, write down names, dates, and times of who you talked to and what about. Keep a record of what they told you. Then followup, followup, followup. Keep after them. The bigger a pain you are in their backside, the more likely they are to help you... but always stay polite but firm.

Documentation is your friend. I can%26#039;t stress that enough. The sooner you clear everything up, the less likely you will be bitten by this later.

I have a credit score of 550 and alot of the things on my credit report I have no knowledge of what should Ido

dispute everything...I mean everything on there...in 30 days, do it again...do the disputes online with the individual credit reporting agencies....

then contact the creditors who are reporting the fraudulent or questionable accounts and balances and find out what their supporting documentation is...they should have something to clear up things for you.

I have a credit score of 550 and alot of the things on my credit report I have no knowledge of what should Ido

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I have a credit score of 550 and alot of the things on my credit report I have no knowledge of what should Ido

You have received several really good answers here. The ONE thing I would IMMEDIATELY do is contact the three major credit reporting agencies and ask to have a %26quot;freeze%26quot; put on your credit lines. This will require any credit granting organization to contact and confirm with you directly that you are requesting a NEW credit line before it can be granted. That will generally stop anyone else from getting new credit in your name.

You will have to get your credit unfrozen before you can get any new credit.

After doing that, I would begin to follow the good advice about getting fraudulent credit removed from my credit file.

Be patient, diligent, persistent, but most of all polite. It will get things turned around. Eventually.

Best to you.

I have a credit score of 550 and alot of the things on my credit report I have no knowledge of what should Ido

You have to contact the agency that has the report such as equifax but good luck it is very hard to get removed even if it is not You.! You might need a lawyer