Mixed Files

In 2005 I had a chapter 13 bankruptcy. I am pay 500 a month for 3 years. I will be done in october.

I have a ton of wrong stuff on my credit report. From a house (I have ever owned a house) to Jewelery store credit with debt that they can’t find a record of me ever having an account.

Most of the delinquincies happen to be they can’t find any info on me when I call them.

There is a whole lot more on there such as jobs I have never worked towns I have never lived in and one report has 3 social security numbers for me which none are any of my family members or myself.

Please help!

John 

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Hello John,

You have a mixed credit report.  Mixed files are a common problem. 

File a dispute with the CRA circling the incorrect information on the report and send by CMRRR.  My suspicion is that once the erroneous socials and addresses are purged from your report, the bogus tradelines that are likely associated with them will vanish too.

Thanks for the questions and hope this helps.

Paul