Up to how heaps years can you fix your credit report? In the building where I live used to live another female called

In the building where I live used to live another female called Aleida P. near a different last label. The credit report is confusing us both because of the same heading. The true is that I don't even know Aleida P. The problem is that I didn't check my credit report in 4 years. Know I am applying for a employment and for credit and the creditors denied me everything. And I didn't get the post either.
When I requested my credit report it shows that the other female called Aleida have delinquencies, liens, judgmets. Can I fix it?

when I needed my credit report I used this site. works really dutiful.

As far back as credit is reported on your report. I hold credit cards thats date back to when I be 18 ( 12 years ago) on my report. I could still raise or lower my ranking depending on what I do with that card.

To store time writing letters to credit companies do this:
Run your credit report on this affairs of state site https://www.annualcreditreport.com/cra/i... (I recommend you choose expedia is the one I used) once you have your credit report review adjectives the accounts that don't belong to you and there is a bit box at the top that says "DISPUTE" freshly click on that tab type the reason you are disputing the commentary send it and they will do everything else for you. When they finish the investigation they will convey you an email with the result and that is to say..!! Good Luck..!!

Yes you can fix it. Not sure what you know - so I may say some stuff you already know.

First in that are three major credit reporting agencies - Equifax, Experian and TransUnion. Depending on where on earth you live you can request at least one FREE credit report from EACH agency every 12 months. If in attendance are issues or corrections needed on the reports I am unsure if you have to earnings or get an updated report free. AnnualCreditReport.com have how to dispute items on your report. Look under Frequently Asked Questions

You do not own to pay for a 3-in-1 credit report, unless it is easier for you. AND you don't enjoy to pay someone to 'clean-up' your credit. You can do it.

When ever you return with rejected for credit or job base on credit you can get a free copy of the report from the credit company they used. You should acquire a rejection letter near info needed to request the free copy.

On the credit reports themselves there will be contact numbers and address. Contact the creditor(s) listed and explain to them that they enjoy reported item X to the incorrect person and they should correct it. If they do not afterwards you can go to the credit agency to desire resolution.

We had a defaulting for a funeral on my husband's report (Brown is so common). After verifying date of birth and soc numbers they agreed next to the error and corrected it.

Sorry this is so long winded. It may take some time, but it will be worth it. Good Luck.

Answers: There is no time limit on repairing your credit, especially if you are not at denounce! Have you tried getting one of those free credit repair consultations:

http://www.mortgageous.com/healthy-credi...

They have specialists and attorneys who are trained to give a hand you rebuild your credit swiftly.

You shouldn't be penalized because this other woman is financially irresponsible. I will you the very best of luck within sorting this out.

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It usually takes up to seven years. If you can prove that the delinquencies, liens or judgment were not against you but someone else, these will be taken sour your record.

Of course, to do this, you will hold to get adjectives of the credit agencies to clear your name. And even next, it takes time to catch your score hindmost up.

Good luck and sorry that this happened to you.

You entail to write each credit reporting agency (Transunion, TRW and Equfax) a communication and explain this scenario to them and advise them that you would approaching to add a CONSUMER STATEMENT to appear on your credit report, disputing the lien,decision, delinquencies). Did Aleida P. get a hold of your social payment number?