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July 22, 2004

The Part Where I Enjoy Bankruptcy

I love a good joke at my expense as much as the next guy, but this whole bankruptcy-that's-not-really-mine on my credit report kinda gives me the heebie-jeebies. I've discovered some interesting things about credit in general, though, while trying to get this stuff off my record; There are 3 major credit reporting agencies; Experian Equifax TransUnion What's interesting is that they can all 3 simultaneously have different information about you on file (correct or incorrect). Equifax, for example, had 4 accounts on file that were simply not mine; one of these was included in a bankruptcy, another was marked for "collection", and the other two were credit accounts not belonging to me. TransUnion seems to think I am my Dad, with his address in my history along with some other accounts which do not belong to me (but which are all in good standing, fortunately). Fortunately, you can start an investigation into erroneous accounts on your report fairly easily online, and even expect a response from the credit agency within a month. Finally, Experian, Equifax and TransUnion each offer a "3-in-1" report, available instantly online, showing you a side-by-side comparison of data from all three reporting agencies... I highly recommend it, particularly if you are thinking about, oh, say a small education loan which you might be turned down for if someone else's bad behavior shows up on your record...