I have finally managed to get at least one of the three major US credit reporting agencies to (a) realise that I exist, and (b) give me my credit report! And for my trouble, I now have to fix it up.
For the non-US people amongst my throngs of devoted readers, credit reports are big news. They are used for everything from renting an apartment to getting a cellphone contract. Now I suspect that the same is true in South Africa, but there I have a credit history, so didn’t have a problem. Here, though, one starts with a blank slate, so I had to do things like get my cellphone contract in my apartment-mates’ name — or else pay an $800 deposit. Like that’s going to happen.
Anyway, the plethora of credit cards I’ve opened seems to have finally appeared on the radar of the credit agencies. My Experian report shows some accounts in good standing. However, it also shows one more credit card than I was aware I actually possessed. Before you call “identity theft”, it’s probable that a certain form I filled in to indicate interest in a frequent flyer-linked credit card (they gave me a free backpack for filling it in) was actually an application, rather than (as indicated) a request for further information. Oh well, the account is now closed.
But the really priceless part was my address information. There feature: three different Caltech mailing addresses, one with the right campus mailbox number but wrong zip code, and two with the right zip code but wrong (and different) mailcodes. Below that was my actual apartment residential address (but without apartment number), along with a note that the address is a non-residential address, and is in fact an “Amusement-Recreation Business”. I can only imagine what sort of Amusement-Recreation Business Experian thinks I’m running out of my apartment. Still, I guess that might be good for my credit rating…
|« Previous post in category||Next post in category »|