Mathews's Blog

We keep hearing from different sources we need to check and update our credit report. Well, if you plan on doing this, plan on pulling out a large portion of your hair. Once you get to the credit reporting web site it might take a few minutes to find the area you want to go to. They are going to try and get you to pay a fee for the free credit score they told you about at the start of this search. Once you start looking at the report you will most likely find a few errors. Some of these you have no idea how they got there, like a current address you haven't had in 20 years, or the fact you have a wife you didn't know about. Mine even had my Father's middle name as mine. Now we get to the good part. You find a mistake and file a claim that something is not right. You wait for a couple of weeks and you get a letter from them saying they have checked with company you filed the error about and there is nothing wrong with the information they have on file from the company. They tell you to get in touch with the company in question, which you do, and they tell you that isn't the information they reported.  Now this dosen't sound to time consuming but with the electronic phone systems today, it may take a couple of hours to get through all the prompts and people transfering you from one person to another.  This dosen't include the people in India who you  are switched to and can't understand. Don't get me wrong, I have nothing against these people. They are just trying to make a living like te rest of us. Out-sourcing seems to be the way we do things today. Now you finally talk to someone and they say the information from credit bureau is not what was reported.  Now you start the process all over again and in the end you have wasted many hours and much hair pulling only to have gotten no where. In todays world it seems it is always somebody elses job or we aren't responsible for that and you need to call this number. Anyway, I hope other people have a better ending than I did. I have been dealing with this for three months and not any better off than I was from the start. Good Luck!