[b4its2late]

I personally don't have a whole lot of faith in PIRG. They're a bunch of nuts.

[The Great RJ]

Our son had a department store credit card account on his credit report that was opened a year before he was born. My wife had a supposedly delinquent college loan on her report that had been paid off for more than 10 years and it took hours of phone calls and several letters to get it corrected.

There is also no consistency in the reporting between the three major credit reporting agencies. We recently got our credit reports from all three and compared them side by side and it would almost appear that they were reporting on different people. Their were accounts that appeared on one but not the other two, accounts listed as paid or in good standing one two, but as part of a bankruptcy on the other. Again expect to spend tens of hours on the phone and writing letters to get even small problems resolved.

[BriarBey]

One in four credit reports has errors serious enough to disqualify consumers from buying a home, opening a bank account or getting a job.


Should be grounds for a lawsuit, they are tampering with peoples lives and reputations....ie Slander, false information, incomplete information. The credit bureaus have far to much power to be so inept.

[xdemoncrap]

Reviewed a credit report 6/8/04,Credit Score 641 Trans Union. Ordered same credit report 6/14/04, Credit Score 520.

The client was requesting a pre-approval for a mortgage. On
6/4/04 approval was a loan to value of 100%+, however, on 6/14/04 approval was lowered to 80% with a higher interest rate.

This client was shopping for a mortgage and made three (3) phone calls to loan companies advertising on television; 38 credit inquiries in 3 days...

Another client refinanced mortgage in 4/2003, score 581. He paid off 11 past due acounts with new mortgage. Paid 12 new mortgage payments as agreed, credit score 4/2004 511.

This/these credit scoring system is/are not the answer...