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Old 09-09-2019, 01:37 PM   #21
Thinks s/he gets paid by the post
Join Date: May 2014
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Originally Posted by jIMOh View Post
This [where have you lived?] is a trick question, because if the account was dual (ex wife and I) and the bill was forwarded to her address when we separated, I never lived there. The credit bureaus told the IRS I did, and the postal service told the banks I did, and the banks told the credit bureaus I did.
I ran into a couple of similar issues. At one point I started getting credit card statements sent to my office because my husband at the time was making fraudulent charges on my cards and hiding the bills from me. (This was before everything was on-line.) That address is now one of the "correct" answers to "Where have you lived?"

When he and I took out a mortgage to buy a house, I brought to the closing a passport and a driver's license, both issued to Athena Mylastname, and signed a statement saying, among other things, that I have never gone by any other name. This was true; I did not change my name when I married.

The idiots at the bank decided that I was AthenaHISlast name, reported it to the credit bureaus AND to the IRS, which sent me a nasty letter informing me that I'd reported an incorrect SSN to the bank. My SSN, of course was correct; it was just not attached to anyone named AthenaHislastname. We were in the process of divorce by then, so the issue resolved itself when the mortgage was paid.

That was 1997. He died in 2010. My credit records still include that name as one I've used in the past.

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Old 09-09-2019, 01:52 PM   #22
Thinks s/he gets paid by the post
SecondCor521's Avatar
Join Date: Jun 2006
Location: Boise
Posts: 3,606
@jIMOh, you can dispute addresses on your credit report.

@athena53, I think you may be able to dispute a name on your credit report, but that's probably more difficult.

"At times the world can seem an unfriendly and sinister place, but believe us when we say there is much more good in it than bad. All you have to do is look hard enough, and what might seem to be a series of unfortunate events, may in fact be the first steps of a journey." Violet Baudelaire.
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