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Mistakes on your report?

Reasons for mistakes on your credit reportleft
Credit report errors occur for a number of reasons but they can all have a negative impact on your eligibility for any future credit. It's important to stay on top of your credit report to avoid any mistakes made by the creditors and credit bureaus —Equifax, Experian and TransUnion. Some common reasons for credit report errors include:

  • The individual has applied for credit under several different names (i.e. John Doe and Jonathon Doe)
  • Someone made a clerical error in entering or reading information (names, social security numbers, addresses, etc.) from a handwritten application.
  • Mix ups with common names. For example, there is likely more than one John Smith living in New York City and often there is the chance that information intended for one John Smith might appear on another John Smith's credit report as he applies for a mortgage.
  • The individual gave an inaccurate Social Security number or the number was misread by the creditor.
  • Loan or credit card payments were inadvertently applied to the wrong account.

No matter what the reason, the erroneous information could reflect poorly on your credit file, thus causing approval problems when the time comes to apply for a job or obtain a mortgage. If you find errors, no matter how small, be sure you get them fixed, and make sure that you contact all three credit bureaus with your change.

The Three Major Credit Bureaus

Here's how to contact the three major credit bureaus to ask about or obtain your credit report or credit score, alert creditors to a possible fraud using your name, or for any other reason:

Equifax: 800-685-1111 (general) or 800-525-6285 (fraud); P.O. Box 740241, Atlanta, GA 30374; www.equifax.com

Experian: 888-397-3742 (general and fraud); PO Box 2002, Allen, TX 75013, www.experian.com.

TransUnion: 800-888-4213 (general) or 800-680-7289 (fraud); P.O. Box 2000, Chester, PA 19022; www.transunion.com.

Larry Gavett, Senior Loan Officer NMLS #133735
Union Home Mortgage Corp.
900 Washington Ave, Carnegie, PA  15106
Direct:  (412) 831-3330
lgavett@unionhomemortgage.com
Copyright © 2018 Union Home Mortgage Corp.
NMLS ID# 2229
Union Home Mortgage Co. is an Equal Opportunity Housing Lender. Loans are available on a fair and equal basis regardless of race, color, religion, sex, familial status, national origin, military status, disability or ancestry.
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