Credit Report answers backing!? ok here it is so when i print out my credit report

ok here it is so when i print out my credit report via experian, transunion & equfax the correct infor come out my loans ect.. but the thing is when i try to applie for credit close to a credit cart or friendly an account at sear they say that i enjoy some collections but the thing is that i discovered specifically my sisters collections,, and no she has not be using my social the thing is that both of our ss# are duplicate except the last 2 num mines ends beside 60 hers ends with 06 so we hold the same ultimate names and my first name is marisol and hers is maribel so here is the thing for some aim both of our stuff come out 2 gether in one credit report as if we where on earth the same individual not only her stuff appear on my credti report but my stuff appears next to hers and the thing is that when i print my credit report via the 3 chief credit agencys everything is ok but when i optained a copy of a credti report via a furniture company that i tried to get credit it showed my sisters and my stuff mixed within one repor

Bring your birth certificate and social guarantee number to the local credit agency (there is probably one close to you), prove that you are who you say you are, and dispute any transactions that are not yours.

You can also dispute any accounts on your report online.

Contact the 3 credit reporting agencies with the info

significantly doubt that your S.S # are that close

Answers: This kind of entity happens adjectives the time. I am a loan officer and I see it happen habitually. When you are denied credit, the company that denies you must send you a memo stating that you have be denied and the reason. They also must communicate you what credit reporting agency they used to get their information to cause a decision and afford you a way to contact them. With a denial communication, you should be able to bring back a free copy of your credit report from the agency they used. Get that copy and see what it shows. Start with this one, and contact them to dispute anything on your credit report to be precise not yours. Then do the same beside the other 2. When a transaction is disputed, the company that is reporting it have a specified amount of time to respond to the credit reporting agency to let them know the details of the accounts.
This will not be an glib process, but it is worth it.

if i bring an apartment but they check my credit check they will tell me it not approve me what i do because appointment transunion that upset me

This is common and smoothly corrected. Contact the 3 major bureaus and come by the dispute forms necessary to dispute the items that are not yours. In your dispatch describe the situation and all should be corrected once they can bear out the mistake.

I teach borrowers how to deal with theor credit scores. This could own been caught BEFORE you applied for credit. Vjeck my blog for more information.