I recently found out my credit is good with Experian and bad with TransUnion and Equifax (all in the 600s) but when I called and disputed an old utility bill someone had with my social security number (my ex husband) they gave me the third degree like I was the thief! It ticked me off to say the least. Then when you speak to TransUion they are telling you your report may have changed since you’ve ordered it two days ago..and they ask you do you want the free 30 day trial when and then to be billed afterwards, even though you are paying for your credit report each month!! Talk about money grubbing!! Experian was awesome about the whole situation though their customer service was better. I don’t know about Equifax yet. They are like the lochness monster of credit. I have to write them via certified mail.

Are all credit companies this rude?
Do you think their should be tougher laws on people who steal the identities of others?
Do you think you should be held responsible for your ex spouses debt?
Do you think Experian, Equifax, and TransUnion should have better customer service and finally
Do you think you should be able to obtain a copy of your credit report for free every six months instead of one report one time per year???

Back story: Tried to get a car I was denied citing my credit report. Then I tried to get a new apartment couldn’t because I was 2-3 points too low on my credit score so I was denied an apartment too! Found out my identity was stolen by some thief who broke into my home Christmas ‘05, my sister, AND my ex-husband!!!
I do have the police report from 2005 amongst my important papers. Luckily. Two and a half years ago I bought a car with no problem and I paid it off on time never late not once. I’ve never had any credit cards or credit card debt. Yeah I got TransUnion and Experian on the phone. I gave TransUnion the number of the company that my ex husband used to get lights in my name. I never signed anything to get lights on. I just hope I can fix the situation soon. Thank you for your great answers.

Technorati Tags: better customer service, certified mail, credit card debt, credit cards, credit report, credit score, equifax, experian, home christmas, lochness monster, new apartment, police report, six months, social security, social security number, talk about money, thief, third degree, transunion, two and a half years

Tags: better customer service, certified mail, credit card debt, credit cards, credit report, credit score, equifax, experian, home christmas, lochness monster, new apartment, police report, six months, social security, social security number, talk about money, thief, third degree, transunion, two and a half years