we corrected personal information on my husbands credit report. We had disputed a invalid line on his report. When I got the letter there was a case number that I found I needed to get to a human. I told them that there were 2 different spelling of his name that were incorrect I have a feeling they were typos made by companies "solciting us" . The person I spoke with removed them. So it can be done. So maybe if you file a dispute that the names is wrong and you get a letter that they "can't fix it" with a case number it will enable you to get to a person. and you never know thay may use the dispute to fix the problem karla

I would guess that CSC is a company that is set up to sell you something. Think about it.....no matter who orders credit reports...a bank, a credit card company, a finance company or whomever, they have to pay anywhere from $3 to $12 for each report from each of the 3 major companies. Why would any company go to the expense of paying thousands of dollars for these reports and then give them away "free". There are no free reports. Generally you can get "free" reports only if you sign up for some other service that is anything but free. So, if you haven't been contacted by CSC to sell you something yet, you will be before you get any "free" reports. Mark

Hi breenthumb, Rumour has it that there are other insurance companies. Granted, there are fewer than there used to be, as they, like most corporations, hate competition on their own level and will go to great lengths to get rid of competitors. Some time ago I had a personal tax-deferred retirement account with a stockbrokerage, which had incurred no administration cost for years, as it had been grandfathered that way when that company took over another company. When I came to the age where I had to reverse it from an account into which I paid in, into one into which I could no longer pay in, but must withdraw a certain percentage annually, which increases from about 7% at age 71 to 20% at age 90 and beyond, a problem arose. They said that there would be an annual administration fee, and my claim that it was a continuation/reversal of a fee-free account that I'd had with them for years fell on quite deaf ears. So ... I did some checking with some other agencies, and came back to report that, since such and such a company and so and so company would agree to carry my account without an administration fee, I was considereing transferring my account ... they seemed to have a change of heart, for it appeared that they, too, could carry that account without an admin. fee. Which they've done for about 10 years, now: nice to have a little skill and effort save one well over $1,000., on occasion, right? I didn't feel it necessary to include in my report the fact that I would be somewhat less inclined to use the other companies than the one that I had been with for years ... as Grandma used to say, "One should tell the truth ... but there's no reason that one should blab and tell all that one knows". So ... ... if you don't, or haven't owed money for several recent years in several locations/circumstances ... ... they figure that your trustworthiness is suspect, do they? As I've lived in over 20 locations in my 79 years (as I discovered when they asked over on KT in how many places one had lived), I've never owned a home ... ... so never had a mortgage. As I live fairly frugally, I've had few loans. Which situation is aided by the fact that I tend to buy old cars and drive them into the ground, which usually takes 5 - 7 years ... which enables me to buy them for cash (having added a bit to emergency funds from time to time, and drawing on it to make those smallish purchases). When I have substantial debt and must pay quite a lot of interest every month, it seems to me that, since much of our debt is usually non-deductible, if I have to pay $100. monthly in interest, and make $10.00 per hour, after-tax income ... that means that I work 10 hours/month for someone else, the holder of my loan(s). I'd rather wait until I can afford to pay cash ... and pay myself, instead. Learning how money works is an interesting hobby ... that pays well ... and I hope that you're developing increasing shrewdness at managiong your income and assets effectively: to benefit you rather than the other guys (with the exception of worthy charities). Hope you're part way into a happy weekend. One nice thing about retirement is ... that every day is weekend. A nice benefit of learning skillful management of money may well be/quite likely will be ... early retirement (at your choice, not because your company downsizes when you're about 50 ... leaving you out in the cold). ole joyful P.S. I could qualify, as I've had a Line of Credit, usually unused, for about 10 years, and have had a credit (actually "debt") card for several years, which I use infrequently. I recently took on another, which offered 1.9% on transferred balances for most of this year, figuring that I'd buy some stock using the original card, then transfer the balance, as the bank, which had usually charged me bank prime on my loans (fully secured), they recently said that prime was 3.5% ... but they needed a 1.5% surcharge, to total 5%. Now, however, they say that the interest on my Line of Credit will be 2.25% ... so I'll take that, instead of jockeying on credit cards - not a good idea to shift from one horse to another while crossing a stream, I figure. Most cards charge full rate (often 18% on mainline cards: 28% or so on store-issued cards) from the date of the advance until it is paid in full, and I'd not be sure how long it would take to transfer to the second card. o j

It's easy to imagine a high error rate in a database that collects information about hundreds of millions of people. The files get populated automatically, and the filing of info tidbits with the wrong person (for a variety of reasons) happens daily. Credit grantors checking in for a potential customer transaction know this and most certainly accommodate error correction. Probably nothing to be concerned about. Most people don't have regular borrowing activity, periodic check-ins aren't really necessary. I've never checked mine. I bought a car a few months ago. The dealership was holding my check for the purchase price but ran a credit check before allowing me to drive away with their car on the weekend. The "finance" guy walked away with the signed papers and then came back in a few minutes and said "Thanks again, everything is fine". If they had my job wrong or showed me married to my dog, it didn't matter.