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My Goal for Tonight

I'm mostly posting this to pressure myself into completing it - because no one else really cares.

But my goal for tonight after work is to pull our yearly free credit reports.  I try to do this every year on tax day, because my taxes are long since done, and it's an easy date to remember.  I've been lax - I haven't pulled them since just after Bob's bank account was hacked a few years ago.  I pulled them to make sure that it was just an account hack and not an identity theft, but haven't been keeping up with it.

I anticipate that there will be no problems with Equifax and Experion - there never are.  However I hereby predict that TransUnion will, yet again, refuse to acknowledge that we are who we say we are and we'll have to do the whole thing through the mail.  They never acknowledge our identity, and their "security questions" are designed to fail.  "What was the exact tax reporting address of the job that you held for three weeks in 1976?"

HOW THE ()*&&*%%$^) SHOULD I KNOW?

Seriously - they ask questions that there is no possible way anyone could know, even if you were there.  I find this ironic, given that their information is the least accurate of the three and that they were the worst offenders when the government cracked down on the big three all those years ago.  It's infuriating.

So this year I'm going to do it differently.  This year I'm going to win.  This year, I'm going to have the banker's boxes of financial records since the dawn of time at my feet when I log in.  I'm going to make Bob be there with me to help look things up.  I'm going to KNOW what the address was for Chandler Evans in 1982.  And I will bet money that even when given the correct information off of a vintage W-2 - it's still going to claim that said information is wrong.  Because I am convinced that TransUnion is doing everything they possibly can to avoid providing this information.

If that is indeed the case, this year will be the last year that I even bother to try to get my report from them online.  I will save myself the grief and just send them the letter in the mail.  Because if I can't do it with every piece of financial paper we have ever received, it just can't be done.

If you've actually slogged through this mini-rant, I highly advise everyone in the US to pull their credit reports at some point every year.  It's free, and it's important.  They can really screw you over with incorrect data, and if you don't correct it no one else is going to.  www.annualcreditreport.com

I will now return you to people more amusing than I am.


( 7 comments — Leave a comment )
Apr. 15th, 2010 02:36 pm (UTC)
I pulled my Equifax and Experion reports last month, when I started thinking seriously about buying a new car. Transunion however, wouldn't play nice online -- so it's not just you they don't like. I still haven't got round to dealing with them by mail.

I also have to submit a boatload of "I never lived at this address", "I have never been known by this name" and "This is not my SSN, it is a Type Oh." corrections to the 2 I have. *sigh*
Apr. 15th, 2010 05:24 pm (UTC)
I'm pretty certain that they just don't want to comply, so they make it as difficult as possible knowing that 90% of the public won't exert the effort if the online version doesn't work.

We've still got a bunch of "I never lived at this address" that we were never able to get corrected, but in the grand scheme of things those are the least of my worries.

I may pay the money and spring for a credit score also - just to know. I do that every few years just to keep tabs on where we are as compared to the rest of the country.

I spent five years working on those credit reports until they *shone.* I'm not going to lose that effort to neglect now!
Apr. 15th, 2010 03:13 pm (UTC)
Thanks for the reminder. I should really do this.
Apr. 15th, 2010 05:25 pm (UTC)
For the longest time I did it just because it was something I should do. Then we decided to buy a house. THEN Bob's bank account got hacked and cleaned out, and it was three months without that money while the bank "investigated."

Now I'm just paranoid.
Apr. 15th, 2010 04:58 pm (UTC)
I'll ditto that -- thanks for the reminder.
Tax day is a great memory aid.
Apr. 15th, 2010 05:40 pm (UTC)
It's enough in the news to trigger the recollection every year. The trick is to NOT procrastinate, otherwise you have to try to remember how many days you put it off.
Apr. 26th, 2010 01:40 pm (UTC)
I always have more trouble with one of the E companies (don't remember off the top of my head - couldn't figure out how to do it online without signing up for their two week "free" service which I'd then have to remember to cancel in time), and of the other two, TransUnion is the only one which has acknowledged the dispute request we sent them recently.
( 7 comments — Leave a comment )