FTC.GOV Federal Trade Commission Allowing 3 different credit reporting agencies to all have different information and scores Internet

Do you know the differences between FICO and those 3 credit bureaus? They are 2 separate entities. The reason I ask because you were talking about "score" and said you did not get it when you asked for free credit reports. You should search on the Internet for their meanings, so you will be able to understand the differences. Also, you should research about how each of the bureaus is being used by creditors.

To me, having 3 credit bureaus is better than only one. Let me ask you this. What if the only bureau screws your credit, where would you be able to find other evidence to verify that your credit is actually good? Also, some creditors favor one over others (check from 1 or 2 bureaus). If one out of 3 is bad, you still have a chance to be seen as having good credit. If you have only one, you will be out of luck.

Let's take a look at your current problems with credit.

1. An incorrect social security number was tied to my credit report, without my consent or knowledge, and debt that was not mine was affecting my report and score. How the f**k should this ever be allowed to happen?

No, it should not happen, but it could if the people who did the data entry screw it up. You cannot stop human errors and it could happen to anyone. Sadly, you are one of them. What you need to do is to contact them and follow their instruction to correct it. Then your record will be clear from this erroneous.

2. Accounts that were already paid off are still showing on my report.

Actually, this is the GOOD part of your credit. If you paid it off, it shows that you are reliable and will likely be a good candidate for a loan because you "paid it off." It should stay in your credit report as long as it can. Again, you should search on the Internet and read about how they determine the credit score.

3. By law, debt that is over 7 years old from the date of the last payment is not allowed to be reported. I currently have companies that keep adding fake payments to keep the debt going. How the f**k can this HAPPEN!?

Again, this could happen to anyone. What you need to do is to contact the credit bureau and ask them what you should do. You need to follow their instruction. I am guessing that they will ask you to directly contact those companies to straighten out what's going on. It is the consumer reliability to their own credit.

I had a problem once before when I tried to buy my house. Two out of three were excellent but one was good because there was an unpaid balance from a book company. The charge was way back 3 years when I ordered a book but did not receive it from them. I contacted them back then to cancel the order and they accepted (but no letter or any written proof and that's my bad). As a result, they put the charge on my credit. I had to pay the charge and enforced them to write a letter to the bureau to clear my credit. After a week or so, all bureaus reported my credit as excellent.

In conclusion, I suggest you to attempt to fix your bad credit by contacting the bureaus and try to work with them. Instead of suggesting something that bend the rules to favor yourself (or thought), working and following the existing rules would be easier and you will see the result much sooner.