Does credit report need to have name that appears on your license?

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I am trying to make sure information on credit report is accurate. I would like to know if all of your documents need to have the same name that appears on your license. If it is not the same, does the debt still apply to you?

Asked on April 3rd, 2015 in Credit Report.
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Your credit report may have variations of your name listed on the report. This happens when creditors, lenders or collection agencies report information to the credit bureaus that may include typos. However, there are  instances where credit or debt is listed in your credit report that do not belong to you. These are indeed inaccurate information that should be corrected and removed from your credit report.

Credit and debt information is listed on your credit reports  in a variety of ways using your social security number or name and address. The personal identifying information received is used to determine if the credit line or debt belong to the right person. Again, there are instances where debt or credit of strangers with similar names can appear in your credit report.

  • Review your credit report thoroughly from all three credit bureaus by visiting AnnualCreditReport.com. You can also use these free credit report tools we’ve reviewed to access your report and get your free credit score.
  • Once you’ve reviewed your credit, dispute inaccurate information on the report including misspelled names, incorrect addresses and debt that you believe does not belong to you. The credit bureau will require you to submit information to prove your identity such as a copy of your driver’s license, social security card or other documents. They will need these documents to correct any information on your report.

When you are disputing debt or credit lines that do not belong to you the credit bureau will inquire with the reporting lender or company to verify the information. If the mistake was in the reporting, it will be remove. However, if the investigation finds that debt reported is correct but you believe it is inaccurate, you’ll need to continue to dispute the information.

Inaccurate information on your report may mean you were a victim of identity theft and will need to report the theft to your local police department. Then, you’ll need to notify the credit bureau and company reporting the information that you were a victim of fraud. It will take some time to remove the information as an investigation will commence.

Phroogal Answers Original Phroogie Answered on April 3, 2015.
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