They showed up on my credit report back in 2002 and I had no idea who they were! I had NEVER had a loan. I started correspondence with them immediately and we went back and forth but the information was never removed from my credit report.
This year (it's 2007!) They finally sent the account to a creditor who, when I wrote them and told them the account was not mine, was more than happy to return the information to Merrick, while giving me contact information again. I called them and she asked me the last 4 digits of my social. I gave them to her and then she sat there.
"Well?" I said "Is that what you have?"
"Uh... No..."
"THEN WHY THE [Bleep] ARE YOU PEOPLE ON MY CREDIT REPORT?! I have told y'all over and OVER that this account is NOT MINE — "
"Wait wait wait! It's just one number off! It's one number off!"
"Whatever thats NOT MY SOCIAL, it's NOT MINE! I didn't get a loan til 2006; before then I've never HAD a loan because I NEVER NEEDED ONE —"
"Ma'am, we'll send you the affidavit — "
"WHAT?!"
"—we'll send you the affidavit and will investigate the account."
"Oh. Okay."
I even had to get a police report on them in 2005. So I have the affidavit now. If they take it off, either way they are getting sued because my credit has been not so good for years mainly because of them.
0 comments