I decided to clean up my credit or lack of since I was now a senior citizen living with my daughter and wanted to not owe anyone anything, as required by my religious beliefs. I wanted to get a list of old bills and clear up any discrepancies. I started with annualcreditreport.com which is free. I knew not to get all 3 at once. I would start with Experian and after that company, move to another and gradually make sure my credit report was good. I do not worry about my low score. I have always paid cash for purchases.
I received my report back aafter a lot of correspondence because a mortgage bill was on it that wasn't mine. They would give me no information about it but after threats of contacting the Federal Trade Commission, I received my report. I accepted the medical bills and carefully wrote reasons why I disputed the charged off Verizon bill (closed and owed nothing, sent modem back), and other bills, Cox Cable paid a year later to make sure I had nothing else added. They refused to accept my explanations and reopened the charged off bills. And said thank you for updating our information. They did not have my new address before. I have not ben able to get any more response from them. The same happened from Experian, only they said I had a car loan in my name, too. I disputed that as I do not even have a license anywhere, and my explanations were ignored. Again, thank you for updating our information. There were 5 ladies with my name in the area I moved from.
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