I have a few questions (bolded) regarding errors on my recent credit report. Here is the story:
Now that I am in the market to buy a new or slightly used car I wanted to see my credit rating to make sure I will qualify for their special APR offers.
I used Equifax to obtain my FICO score and was surprised to find two blatant errors.
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My Date of Birth. They had the right year and month but the wrong day. I find this to be a little strange. AFAIK, I have always used my real DOB when fililng out applications. Where did they get this info?
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They have me at a previous address. I have always lived at the same address. However this seems to be a typo from my actual address. But still the previous address they had doesn’t even exist so somewhere along the way they should have pick up on that. BTW it does not say anything about how long I lived at each address.
I called Equifax and informed them of the errors. They said they will check into it and send me a revised report within 21-30 days.
**Do I need to check with the other credit agencies to see what they have or do they all have the same info? Will correcting Equfax’ report correct the others as well? Do I qualify for a free report from the other agencies because of the errors? ** It cost $13 each to check these and I say why spend the dough if I don’t need to. However for peace of mind it is relatively cheap.
Now my score was excellent so these errors didn’t affect my score (neither were negatives on my report) and there were no other errors but I am curious how this happened. Anyone know where these errors could have came from? Could my DOB correction cause a different report or is it only drawn from the SS#?
Also, In todays day and age I am worried about identity theft so I want to make sure I am not over looking any obvious signs.