V_RocKs

I had the same problem.. Actually still have it..

I went online to check my report a year ago. I couldn't since I didn't know how much the payment was for an auto loan I had received when I was 4. I also had no idea what bank gave me a mortgage at age 5. Turns out my dad with the same name keeps having his shit put on my report with his middle initial an alias on my report and mine on his... So at 34 I had a house I purchased 29 years ago, bought and sold 4 cars since I was 4 and have had charge cards since birth.

So I call them and they basically ask me the same fucking questions... I can't answer them since I don't have a fucking clue. After talking to a supervisor for 10 minutes he finally sends me the report. It took about 6 months to remove all of the shit that wasn't mine.

Then I notice that a card I defaulted on back when I was 23 is on there 4 different times. I had my wallet stolen so they replaced them both. But one number is actually my social security number and not the card number. So I have 2 sets of 2 cards saying I didn't pay them when it should be one. Took 4 months to get the bank to report it correctly. I paid them their money and guess what, the score only went up 5 points. Since paying them was a negative item (it is paying a negative item so it is in itself also a negative item WTF WTF WTF??????)... So it cancelled out the benefit of removing the other 3 accounts...

I had NUMEROUS credit inquiries. Which brings up why I even looked at my report in the first place. My dad was getting a loan at the infinity dealer and they declined him because of shitty credit. He always pays shit on time and never holds a balance very long on revolving shit. Pays cars and house on time. He is like WHAT? They show him MY REPORT! WTF? How in the hell does this shit happen.

I am just 10 points from 700 now... And it is an uphill battle the whole way because even when I paid something off, it actually hurt me as much as it helped me. Ohhh well...

I owe nobody a dime and I still can't get above 700... Credit is bullshit. I make more money than lottery winners do with a 26 year payment system and I still can't buy a fucking new car.


(edit) Actually I can buy a new car which brings me back to the beginning. I found a used car on the lot that I loved and bought it in cash. They were like, Ohh shit, sorry, didn't know you had money just lying around... We can sell you the new one for about twice the price of that one and if you pay it in cash we can possibly add in some free upgrades for ya... FUCK YOU! Just give me my damn used car and I'll be on my fucking way, asshole.

Sucks when you make 8 times what the loan guy makes and he declines you...