FreeScore Member Gets a Credit Surprise From His First Marriage
Interview with Dale M. of Lubbock, Texas
"My wife and I are in the process of selling our home and buying a new one and so I was looking to see what my credit report looked like because obviously we would like to get the best interest rate possible when we go into the new home… I logged on and once we had everything entered, and my credit report pulled up, sure enough there was a charge off that was charged off last year and it had my name attached to it… [I found out] that it was my ex-wife's account and not mine. The FreeScore website gave us a very step-by-step and informative way to resolve everything."
What made you decide it was time to check your credit scores?
My wife and I are in the process of selling our home and buying a new one and so I was looking to see what my credit report looked like because obviously we would like to get the best interest rate possible when we go into the new home.
Why did you go to FreeScore instead of another service?
I went directly to Google and typed in “credit report” to find free credit reports and FreeScore came up first. Ben Stein, I think, is a really smart guy so I knew that he wouldn't attach his name to anything that was not appropriate, so that's why I went to FreeScore.
Were you expecting to find problems on your credit report?
I was married once before. I've been divorced from my first wife for about four years and I was curious to make sure that everything was cleaned up from that. I knew that if there was any problem whatsoever, that it would be coming from my former marriage.
So were there any surprises?
Yeah, there sure were. I logged on and once we had everything entered, and my credit report pulled up, sure enough there was a charge off that was charged off last year and it had my name attached to it.
It wasn't your account?
No. It was from a department store, and I actually had a separate account from that store after our divorce. But I had closed it. The account that was charged off was from the same exact department store, except a different account number, of course.
What did you do?
Obviously that was very concerning so I went through the credit resolution process through FreeScore and figured out who to call.
The information you needed was on the site?
Yes. Once I found there was a charge off on my report, I went to the tabs on top and they directed me to the resolution. It was a step-by-step process, very self-explanatory, and walked me through the process and who I needed to contact. It was very easy to figure out what I needed to do.
What happened next?
I called the company directly and once they got into the account and asked me a few questions they stopped immediately and said they were held legally bound by credit law to only give me so much information from that point forward and said, in fact, that it was my ex-wife's account and not mine.
Ouch, that hurts.
It sure does. After the divorce I made a very concerted effort to make sure we were separated financially, so definitely that was a complete surprise. I did not realize my name was on that account.
You were able to get the charge off removed from your credit report?
It took 30-days, and now the issue has been resolved. Hopefully , now my credit score will be increased.
Will you be checking your credit scores in the future?
Yes. I would say that until everything is cleared out and everything is good for quite some time that I will stay on top of them for sure.
Do you feel better now that you've checked your credit reports and scores?
Oh, yeah, definitely. You know, knowledge is power and having the knowledge of what is there and what creditors will look at if we go to get a loan for a house definitely makes me feel better.
Overall, how would you describe your experience with FreeScore?
It was very good. It was very easy and straightforward for me to use. The website is very user-friendly and after we found a problem it gave us a very step-by-step and informative way to resolve everything.