Reply #206: She has disputed that [View All]

[LostinVA]

And the credit bureaus said too bad too sad, and two consumer law lawyers said there was nothing else they could do. FCRA has nothing to do with this -- it doesn't cover the consumer. Trust me, we've paid out several hundred dollars to have lawyers tell us this. Consumers ahve no real rights when something like this happens.

What documentation can she give them? She doesn't HAVE any, since they aren't here accounts. Being "upfront" with potential employers and loan officers hasn;t helped her one bit. She even had one person say, "I hear that all of the rime." They called her a liar. Why should she have to be upfront about something she didn't do? especially for a job that has NOTHING to do with finance?

I KNOW credit reports are linked to SSN numbers. But changing her last name may help stop other charges not hers from being put on her record.

I often agree with your posts MB, but this time we have to agree to disagree. Credit records are too screwed up (over 70% with mistakes), and there are too many variables in people's lives. Credit reports shouldn't be used for employment, unless it is a HIGH level finance or security job. That's not why credit reports were invented.