I've been reading some stories in here, and I must say that I was reluctent to join, but I decided that perhaps someone in here can help me.
I filed Chapter 7 in August 2004, this was before the new laws were in effect. I new they were comming. I had just sued my employer, I had a workers comp injury, and when I was released to full duty they fired me. I ended up recieving a nice settlement, and found a great job suprisingly fast. I had about 90k in medical bills and wanted a fresh start. I decided that there was no way I was going to be able to pay back that amount. I bought a car and someother things, clamied the rest of the money as exempt and filed. I was suprised at how easy it was to file. It was discharged less than 6 months later. I waited a few months and applied for a Orchard CC and was approved with no annual fee and a limit of 300.
About 3 months after that I applied for a Capitol 1, approved no annual fee and credit limit of 1000 . I recall reading somewhere it is best to have 3 cards to re-build your credit, so I figured that I would try for 1 more. Providian, Chase, Household, Amex, and more that I can't remember NO
At this point I figured that I should check my report. I was negligent of doing this before because we were looking for a house.
This is were things start to get weird. I started with eqifax, and they wouldn't give it to me, they told me I had to verify this, and mail them that. I was a bit upset, but I figured that there were 2 more CRAs so I'd be able to get atleast one of them. I tried Transunion, No luck there, to this day I still never got a TU report. At this point I figured that something must be really wrong. Finally I had some luck with Experian. I got the report, even was able to view it on-line. I read threw the creditors, good and bad, seen my bankrupcy. There were somethings that had to be fixed, but I was suprised that there was only about 10 negitive accounts on there, When I filied I had close to 200 accounts. So I started looking other places and on the 1st page I noticed something that said Social Security Number Varation, and there was a number listed there, someone else's ssn, not mine. I tried to call them, but they wouldn't talk to me, they said that they couldn't verify my information, because I said that there was no other name that I go by, apparently the other SSN's owners name was 'my alas'. At this point I figured that it wasn't even worth the hassle. I've spent 2 months of my time, and I didn't get anywhere. We bought out house, but the mortage had to go into my significant other's name, I'm on the deed.
So I will fast forward my story about 6 months. My father decided that he wanted to buy a new truck, he has never had ANY credit, not even a public utility, everything he has ever bought has been paid for in cash, his house, vehicles, everything. I know that there are other people out there like this, but it is very rare today. Anyhow, he asked me where he should go to get a good loan with a good rate. I told him to go to the local credit union, they helped out my significant other, and always gave great rates. He asked me if I could call and apply for him, and I did. They spoke with him to get his permission to take the application. It took about 1 hour for the lady to call back and say that they couldn't give him a loan because of a bankruptcy and someother outstanding bills. I put 2 and 2 togeather and realized that the other SSN number was my fathers. I took up my discharge papers to the CU and My one copy of my Experian report, sure enough they gave my father the loan. The loan officer told me that sometimes when you owe a creditor and they don't have your ssn they find the closest match according to you name. For us our last names were the same, but that was about it. We have diffrent first name, middle name, DOB, adress. But they still pinned it on him. After a lot of phone calls and days of pulling out my hair, I finally had all my negitivity removed from his report. To date Experian only shows the truck loan, nothing more, nothing less. He can't get a report for TU, or EQ. Exp stills lists his SSN on my report and mine on his. They will not remove it because they still do not believe that we are two seperate people. I have faxed them copys of both SS Cards, and Drivers Liscences.
My report on the other hand is still a mess, the only copy I can obtain is from true credit, which is very ironic, since truecredit is transunion. TU still will not give me a copy. They will not even let me dipute anything. I spoke with them late last week and they said I had to fax all this information to them, this list was long, and included SScard, Drivers Liscence, Paystub, Utility Bill with name and adress on it, A signed sworn statement of idenity. I've decided that I will try and dispure the information with each creditor for now and hopefully I will get somewhere.
If I still can't get my idinty confirmed I suppose that I will just wait 4 more years for everything to fall off. Some of the accounts are due for removal in 2007.
After reading some posts on here I applied and recieved HOOTERS MC 1000 Limit with 79 fee. I think that I am satisfied for now.
I still want to clean my report so we can refinance and have my name added to the mortgage.
If anyone out there has any advise that they can give me it would be much appreciated.
Thanks
Janice
I filed Chapter 7 in August 2004, this was before the new laws were in effect. I new they were comming. I had just sued my employer, I had a workers comp injury, and when I was released to full duty they fired me. I ended up recieving a nice settlement, and found a great job suprisingly fast. I had about 90k in medical bills and wanted a fresh start. I decided that there was no way I was going to be able to pay back that amount. I bought a car and someother things, clamied the rest of the money as exempt and filed. I was suprised at how easy it was to file. It was discharged less than 6 months later. I waited a few months and applied for a Orchard CC and was approved with no annual fee and a limit of 300.
About 3 months after that I applied for a Capitol 1, approved no annual fee and credit limit of 1000 . I recall reading somewhere it is best to have 3 cards to re-build your credit, so I figured that I would try for 1 more. Providian, Chase, Household, Amex, and more that I can't remember NO At this point I figured that I should check my report. I was negligent of doing this before because we were looking for a house. This is were things start to get weird. I started with eqifax, and they wouldn't give it to me, they told me I had to verify this, and mail them that. I was a bit upset, but I figured that there were 2 more CRAs so I'd be able to get atleast one of them. I tried Transunion, No luck there, to this day I still never got a TU report. At this point I figured that something must be really wrong. Finally I had some luck with Experian. I got the report, even was able to view it on-line. I read threw the creditors, good and bad, seen my bankrupcy. There were somethings that had to be fixed, but I was suprised that there was only about 10 negitive accounts on there, When I filied I had close to 200 accounts. So I started looking other places and on the 1st page I noticed something that said Social Security Number Varation, and there was a number listed there, someone else's ssn, not mine. I tried to call them, but they wouldn't talk to me, they said that they couldn't verify my information, because I said that there was no other name that I go by, apparently the other SSN's owners name was 'my alas'. At this point I figured that it wasn't even worth the hassle. I've spent 2 months of my time, and I didn't get anywhere. We bought out house, but the mortage had to go into my significant other's name, I'm on the deed.
So I will fast forward my story about 6 months. My father decided that he wanted to buy a new truck, he has never had ANY credit, not even a public utility, everything he has ever bought has been paid for in cash, his house, vehicles, everything. I know that there are other people out there like this, but it is very rare today. Anyhow, he asked me where he should go to get a good loan with a good rate. I told him to go to the local credit union, they helped out my significant other, and always gave great rates. He asked me if I could call and apply for him, and I did. They spoke with him to get his permission to take the application. It took about 1 hour for the lady to call back and say that they couldn't give him a loan because of a bankruptcy and someother outstanding bills. I put 2 and 2 togeather and realized that the other SSN number was my fathers. I took up my discharge papers to the CU and My one copy of my Experian report, sure enough they gave my father the loan. The loan officer told me that sometimes when you owe a creditor and they don't have your ssn they find the closest match according to you name. For us our last names were the same, but that was about it. We have diffrent first name, middle name, DOB, adress. But they still pinned it on him. After a lot of phone calls and days of pulling out my hair, I finally had all my negitivity removed from his report. To date Experian only shows the truck loan, nothing more, nothing less. He can't get a report for TU, or EQ. Exp stills lists his SSN on my report and mine on his. They will not remove it because they still do not believe that we are two seperate people. I have faxed them copys of both SS Cards, and Drivers Liscences.
My report on the other hand is still a mess, the only copy I can obtain is from true credit, which is very ironic, since truecredit is transunion. TU still will not give me a copy. They will not even let me dipute anything. I spoke with them late last week and they said I had to fax all this information to them, this list was long, and included SScard, Drivers Liscence, Paystub, Utility Bill with name and adress on it, A signed sworn statement of idenity. I've decided that I will try and dispure the information with each creditor for now and hopefully I will get somewhere.
If I still can't get my idinty confirmed I suppose that I will just wait 4 more years for everything to fall off. Some of the accounts are due for removal in 2007.After reading some posts on here I applied and recieved HOOTERS MC 1000 Limit with 79 fee. I think that I am satisfied for now.
I still want to clean my report so we can refinance and have my name added to the mortgage.
If anyone out there has any advise that they can give me it would be much appreciated.
Thanks
Janice
Comment