What is a mixed credit report?

A mixed credit file occurs when information belonging to more than one person is unintentionally combined in a credit bureau’s database. This can result in errors involving names, phone numbers, addresses and credit account information.

How do I correct a mixed credit report?

The only way to resolve a mixed file is to work with a person within the agency who has the authority to remove information from a report, and it can be nearly impossible to reach such a person.

What are the 3 types of credit reports?

There are three main credit bureaus: Experian, Equifax and TransUnion.

How do I get duplicates removed from my credit report?

Make copies of your credit reports, highlighting the duplicates. Send a dispute letter requesting removal of the duplicate account name, account number and balance. Send the letter and copy of your report to the bureaus — Experian, Equifax and TransUnion — that have reported the duplicates.

What is a mixed file?

A mixed file occurs when a credit bureau puts credit information for two or more people into a consumer’s report. The problem for consumers with a mixed file is that credit bureaus’ computers cannot are distinguish between consumers, because they are programmed to be over-inclusive.

Why is my credit history being linked to another person’s history?

In this instance, it’s very likely that the account data has been mismatched to your Credit Report due to similarity of your details – your name, address, and date of birth (usually a mix of all three) will be very similar to the other person and their data was added to your Credit Report in error.

How many types of credit reports are there?

Each of the big three credit bureaus — Experian, Equifax and TransUnion — generates two main types of consumer credit scores, the FICO Score and VantageScore. The information reported to the credit bureaus isn’t shared between them, which may lead to different scores.

Why is something on my credit report twice?

The duplicate may simply be a case of the creditor accidentally reporting the debt twice. Alternately, they may say that there is no error on their end, meaning that you should contact the credit reporting agencies to get the duplicate removed. Send your letter to every one of three credit score companies.

Can a debt be reported twice on credit report?

Some debt collectors may try to report a debt on a consumer’s credit report twice. Though some consumers may have multiple debts owed to the same debt collector or creditor (which can be reported separately), each debt can only be reported one time. …