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One credit report in
Jun. 20th, 2004 06:53 pmSo I got my first credit report today, from Experian. They have no outstanding records against me, only list the three credit cards I actually have, and claim my overall rating is an "excellent" with 740 (max 830) - better than 58% of the US population. The only negative on my account is that I haven't had any credit cards for 3 years; well, I've not lived here for three years yet :-)
Curiously they did have my name listed as "Stephen W Harris" and "Stephen Harris". They also had my birth year out by one (so I managed to submit an online dispute for that entry). It also appears they have three addresses for me:
1) current address, with appartment number
2) previous address (when I first moved here I used a friends address since I was living in a hotel)
3) current address, without apartment number!
The third address and "wrong" name are interesting, but these can't be disputed online. I'm also not sure I care enough about them to phone up.
Now waiting for the Transunion report!
Curiously they did have my name listed as "Stephen W Harris" and "Stephen Harris". They also had my birth year out by one (so I managed to submit an online dispute for that entry). It also appears they have three addresses for me:
1) current address, with appartment number
2) previous address (when I first moved here I used a friends address since I was living in a hotel)
3) current address, without apartment number!
The third address and "wrong" name are interesting, but these can't be disputed online. I'm also not sure I care enough about them to phone up.
Now waiting for the Transunion report!
