Q: I am an incorrect entry in my credit report. I have two addresses and it is not mine. How do I get rid of this address and where does it come first? I reside at 418 Woodgate Road not 418 Westgate Road. Is my identity is compromised and I did not know
A: First, you did a smart thing carefully from your credit report for errors or deviations. Make sure you've gone through all your reports 3 office Equifax, Experian and TransUnion, not just one of them, because information on them may differ. The information on your credit reports is provided to credit bureaus by creditors, lenders, insurers, employers and other companies with which you have a financial relationship. If you find an error, you must contact the credit bureau specific to the error. Although this seems expensive, you can submit an application online disputes. The links for each of the offices below.
Equifax
Experian
TransUnion
Whether your identity has been compromised, it is possible. However, it is also possible that this is an honest mistake that street names are often misspelled. If this is the only error on all three of your credit reports and there is no indication anyone tried to open a line of credit in your name, you're probably safe. But the possibility of identity theft still exists. Nowadays, thieves may use your name and identity to access all of your medical insurance with a mortgage.
To be sure, it is wise to register for a protection service against identity theft as Identity Guard Total protection®. Identity Guard will monitor your 3-bureau credit reports and alert you if the change occurs. They will also monitor public folders for any changes in your name, analytical databases for the purposes of fraud or of social security, and monitoring the black market of the Internet for any use of your information or personal credit cards. In addition, they provide members with an anti-keylogging free software, mobile security software and protect lost wallet. As an added bonus when you sign up for their free 30 day trial, you will have all three of your credit score.