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Tag Archives: Credit Report

Documentation to prove identity when disputing inaccuracies – What do I need to send?

It’s important that you send all requests through certified mail. You will need to keep your certified return receipt as well. This will help to track your letter and it will ensure with the ‘green slip’ there was someone that had signed for your letter.

When you are mailing your disputes to the CRA’s (credit reporting agencies) or requesting a credit report directly from them be sure to include these documents:

  • Your Full Legal Name
  • Your Date of Birth
  • Social Security Number
  • Current Mailing Address
  • If Less Than 5 Years, Include Your Previous Address
  • A Copy of Your Driver’s License Showing Your Current Address
  • A Copy of Your Social Security Card – If Your SS Number Is Not On Your Driver’s License

There are often other times where a bureau will request more information to verify your identity. Those documents could be any of the items below:

  • Current Employer
  • Current Employer Address
  • Phone Number
  • Signature
  • Current Utility Bill
  • Lease Arrangement/Rental Receipt

**FACT: I’ve always been told to not provide your signature for the privacy of yourself. You would not want to have your signature placed on something that you did not agree to. You must be very careful in repairing credit on your own. If you have questions or concerns I am here to help!

CG

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Comparing services – Monitoring services I’ve used

As I stated earlier I was going to dedicate a post specifically to credit monitoring services. First I am going to touch bases on the services I’ve used and my experiences with them.

  1. Free Score
  2. Score Sense
  3. Identity Guard

Free Score – I utilized Free Score for probably about 6 months. It was my very first monitoring service that appealed to me. Unfortunately after that extended period of time I started to feel a bit ‘taken advantage of’. I say this because I was not receiving notifications/alerts that my credit was being updated.

I know too that my credit indeed was updating. I became a bit frustrated after I applied for a new line-of-credit to establish my credit further and I did not receive a notification that I had a ‘new installment loan’. I decided to part with Free Score after I realized their information was not posting as immediate as I would prefer.

Score Sense – I found Score Sense which I felt was just up my alley like Free Score. I started to fool around with their site and realized that once again, I needed to get up to speed with my alerts. I began to notice that I wasn’t getting my monies worth. The education center on the site wasn’t as detailed as Free Score either.

Identity Guard – Identity Guard is a little higher in price, but you get what you pay for! I have been with Identity Guard now for about a month. I am very satisfied with the results. I know that with this service I actually feel safe. I feel like my information is secure, I know I’m protected in all verticals. I am alerted almost instantly by email when there’s an update to my report or score! Which isn’t that the purpose of having a monitoring service? To make you feel safe, secure, protected?

Overall all three of these were ideal for the time being. It really comes down to what is the best for you and your situation? What features would you like to see in a monitoring service? Those things matter!

My suggestions to you would be to do your research. It’s good to use a free trial first, therefore you can fool around and get comfortable before you lock yourself in!

GC

 

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