Credit Reports, private detectives, and ex wives

[Zimmer]

Am I entitled to free credit reports and how would I get mine?

[ 12-02-2005, 11:01 AM: Message edited by: Zimmer ]

[Norman Bernstein]

You're entitled to one report annually... from each of the three major credit reporting companies: Experian, Trans-Union and... dang, I forgot the third one. You are NOT entitled to know your FICO score, which is really the important piece of information: for that, you need to pay $9.95 to one of them.

[ 12-02-2005, 09:13 AM: Message edited by: Norman Bernstein ]

[cedar savage]

Psssst. Keep this quiet. I've got a deal for ya. Send me your SS# and I'll get all three for ya for free. But don't post your SS# here, or you know who will use it against you.

[Alan D. Hyde]

Equifax.

Alan

[Bruce Hooke]

Once again I am left with the suspicion that Zimmer already knows the answer to this question and is just posting something that he knows will get some sort of a response. But, in case that is not the case and in case you (or anyone else) is really looking for this information, the way to go about getting your free annual credit report is to go to http://www.annualcreditreport.com . This is the system the big three credit reporting agencies have set up to provide the required information. As Norman noted you do not get your credit score. Your score is important if you are planning to apply for a loan or a job or something else where a credit report will be pulled. It does not really matter if you are just checking to make sure that your identity has not been stollen.

[brad9798]

And the funny thing is, one score won't help you much. For any credit application, the mid score is typically used.

Scores can vary greatly for one person.

Have a fellow right now with

Equifax 660
TU 640
Experian 615

So his credit 'score' for loan purposes is 640.

The average credit score in this country is 675 ... which is not even considered 'A' paper.

Really want score to rise quickly? Do this:

1) NEVER go 30 days late on a payment (house, cars, credit cards)- medical bills, phone bills, etc. pay when you want to to avoid disconnection.

2) Get a credit card and use it monthly, but even if you pay on time, it can STILL adversely affect your credit if you are carrying a balance of 50% or more of your credit limit on a given card.

[Zimmer]

This is not about credit scores, I want to see if any one is charging up things under my name.

After being divorced for close to 20 years I have received a strange call from one of the major automobile companies financing departments. They want me to call them back or have my ex call them back. I have not even spoken to this woman since the divorce was final close to 20 years ago.

Ofg course when I try to call the financial company to see what this is about, the company representative I need to talk to is never in and her voice mail is full.

Talk about youthful indiscretions coming back to haunt you.

If she has some how screwed up my credit after all these years, I am seriously contemplating hiring a strong arm detective to put the fear of god into her. I have no clue where she lives, what she does or anything else about her.

How difficult is it to find someone if all you have is her name and know of a couple of places she used to live 20+ years ago?

[LeeG]

check for black helicoptors or strange buzzing in the walls

[cedar savage]

I am seriously contemplating hiring a strong arm detective to put the fear of god into her. While you're at it, send me her ss#, I'll help ya out, no charge, and you'll get your three free credit reports.

[Zimmer]

It aint funny lee. Im seriously p oed

[Zimmer]

I wish I had her ssn.

edited- to add-
I just thought of something-
If I got a copy of an old tax record from the IRS when we were married, I should be able to gett her ssn right? How feasible is it to get tax records that old from the IRS?

[ 12-02-2005, 11:09 AM: Message edited by: Zimmer ]

[Joe ( Cold Spring on Hudson )]

Originally posted by Zimmer:
After being divorced for close to 20 years I have received a

Talk about youthful indiscretions coming back to haunt you.

How difficult is it to find someone if all you have is her name and know of a couple of places she used to live 20+ years ago?So now in your profile your Birth Date: is 04-01-1967
When you first signed on your profile for Carlos had you born in 1978 and you claimed THIS photo was you on the left?

http://www.imagestation.com/picture/sraid194/p3ddc36a68b1b75ac8ab9eb9404b6401e/f17f26d6.jpg

So Carlos you were married 20 years ago ????

What a freaking lying troll.

[Zimmer]

Go away fatso.

[cedar savage]

What a freaking lying troll.

Well, Joe, old chap, sometimes to be as bad a troll as our 'friend' is an art. Art, of course, is in the eye of the beholder. YTMV (your tastes may varie).

Sometimes, of course, the web of deceit gets so tangled, it's hard for he/she/it/them to keep the individual threads straight.

Just remember that there are many, many kinds of personality disorders.

[Bruce Hooke]

Zimmer, shut your trap and pull your freaking credit reports. It should take you 20 minutes max to get them and review them, and that will tell you whether there are credit cards in your name that you are not aware of and whether one or more of the agencies still thinks you are married...assuming this is not all a made up story on your part to attract attention.

[Zimmer]

It isnt madeup Bruce. And I just do not feel comfortable putting all that personal information out there online. I found a site that gives you the free reports, but if I mail the application in it will take at least 2 weeks. What that b tch could do in 2 weeks while I wait on my report is anyones guess. :(

You would think that she would have matured a bit by now. Her irresponsibility with money was a major factor in our breakup all those years ago. I honestly think she is psychotic.

[uncas]

You don't want to put the info on your [profile but ya want to post it..
God...somethin' wrong with this pic...or do I need a better pair of glasses... :rolleyes:

You would think that she would have matured a bit by now..

A definite problem with pronouns

[ 12-02-2005, 11:59 AM: Message edited by: uncas ]

[Bruce Hooke]

I'm not following you. Are you worried about using the online system for retrieving your credit reports right now? All your personal information is already effectively "out there," because it is sitting in the database waiting for you to access it. Entering your personal information the form at the site I listed to get your reports online really creates very, very, very little additional risk of the information being stolen. If you honestly think your identity has been stolen it seems to me that getting your reports quickly far, far outweighs any tiny risk that doing so will compromise the security of the information.

When you say "found a site" I do get a little worried. If you found a site other than the one I posted or the site of any of the big three credit agencies, which should all point you to the site I posted if your goal is to get the free report you are permitted to get once a year, then you are potentially dealing with a fradulent website.

[uncas]

Bruce...He's crying Wolf....Anything printed is a joke...A leapord can't change his spots.
Let him figure it out....

[Zimmer]

Thanks bruce- I will ponder that.

But as another question to whoever, is it not against the law for an ex spouse to claim they are still married to you for obtaining credit?

[Zimmer]

All your personal information is already effectively "out there," because it is sitting in the database waiting for you to access it. Entering your personal information the form at the site I listed to get your reports online really creates very, very, very little additional risk of the information being stolen Not to be obtuse Bruce, but if that is the case why is there so much credit card fraud? I mean if all that info is already out there why do companies bother encrypting websites?

[uncas]

okay...you are worried about your credit rating fine...If your credit rating isn't very good, and your supposed ex...is attempting to use it to get herself credit...stands to reason she won't get it.....
Wow...not that difficult.
Now we are movin' on...movin' on ....a debate about credit card companies and fraud.

[ 12-02-2005, 12:20 PM: Message edited by: uncas ]

[Zimmer]

No-

It was good and I am worried she hasscrewed it up.

She used it when it was good.

[uncas]

She used it when it was good.

Indicating ya know what it is....why bother posting?

[Zimmer]

was good

The last time I checked it it was good, but it has been years.

And it took me years to make it good again, because she ruined it when I was married to her.

[ 12-02-2005, 12:25 PM: Message edited by: Zimmer ]

[Memphis Mike]

"I honestly think she is psychotic."
--------------------------------------------------------------------------------

What's that about the pot and the kettle? LOL!

DON'T FEED THE TROLL!!!!!!!

[uncas]

And so...after 20 yrs apart...or so ya say...she is now starting to play...you think...with your credit rating. :rolleyes:
And she has your SS# right on the tip of her fingers. :eek:

[Bruce Hooke]

Originally posted by Zimmer:
</font><blockquote>quote:</font><hr />All your personal information is already effectively "out there," because it is sitting in the database waiting for you to access it. Entering your personal information the form at the site I listed to get your reports online really creates very, very, very little additional risk of the information being stolen Not to be obtuse Bruce, but if that is the case why is there so much credit card fraud? I mean if all that info is already out there why do companies bother encrypting websites?</font>[/QUOTE]By "out there" I don't mean that it is publically available, I just mean that it is as available to theft as it would be if you entered the information on the free credit reports agency website to view the credit reports. Actually, it is much more available to theft sitting in their database than it is when it is buzzing across the web to authenticate you to them so that they can display your credit reports. Stealing information as it moves across the web is, as I understand it, very rare because it takes a good bit of work and only nets you one person's information, whereas what most identity theifs want is to get into a database with thousands of records that they can get to at once.

[uncas]

So...back to the original thought...ya won't post on your profile...any information that can be believed...but you will post your woes here on a thread.
Glasses...where are my glasses...

[Bruce Hooke]

Originally posted by Zimmer:
Thanks bruce- I will ponder that.

But as another question to whoever, is it not against the law for an ex spouse to claim they are still married to you for obtaining credit?Yes, of course it is, but before you jump to that conclusion I think it is much more likely that one of the credit agencies simply failed to record the divorce in either your records or her records.

[Zimmer]

There is no telling what information she has about me. We were married for 2 1/2 years, but knew each other for years before that. I had a very strong feeling after marrying her that she was becoming mentally unbalanced, but I was in the service and away from home for long periods of time so I couldnt check up on her real well. As my active dusty drew to a close and I was home more and more, she became more and more unreasonable and was completely irresponsible with money. I got back from one operation to find she had bounced over 30 checks and all my credit cards were maxed out.

I imagine that shes been shacking up with more than one unlucky guy over the years and since her latest one has found out about her ways and dumped her, and she has probably lost most of her looks, she finds herself having to resort to anything she can.

[uncas]

Rereading the posts...the question is not about credit reports but about his...supposed ex...getting items and billing them to him.
Call your credit company.(ies)..They can tell you and give you a list of all purchases....Or better yet...read your statements. And yup...question those that are not yours.
Real simple....

[Zimmer]

I think it is much more likely that one of the credit agencies simply failed to record the divorce in either your records or her records How would the credit agencies know about our divorce? Was I supposed to notify them? If so I guess I made a major blunder because I do not ever remember doing so.

[Bruce Hooke]

Originally posted by uncas:
Bruce...He's crying Wolf....Anything printed is a joke...A leapord can't change his spots.
Let him figure it out....I realize this may well be another grab for attention (as I noted in my original response). However, so far, as far as I can tell, the questions asked have been reasonable (I have tried to take the most charitable reading of the questions and responses -- there are plenty of places where things are less than completely clear). So, as long as the questions remain reasonable it does not seem unreasonable of me to respond in a reasonable manner. If the tone shifts to something that looks like simply an attempt to stir up division and conflict I'll be quite willing to let this thread drop like a rock.

[Bruce Hooke]

Originally posted by Zimmer:
</font><blockquote>quote:</font><hr /> I think it is much more likely that one of the credit agencies simply failed to record the divorce in either your records or her records How would the credit agencies know about our divorce? Was I supposed to notify them? If so I guess I made a major blunder because I do not ever remember doing so.</font>[/QUOTE]No, you should not need to notify them. I'm not sure how but they do track this sort of stuff...BUT, they don't always get it right, as I can tell you from personal experience!

[uncas]

Bruce...okay...just warn'in ya...Since Nov. 7th or 8th...I have never seen anything from him that even comes close to being honest...forthright...upfront etc. :D

[Memphis Mike]

At the risk of feeding this sorry..... well, I won't say it, but I've been through a divorce once myself.

If I remember correctly, someone is made responsible for the debt incurred during the marriage through the courts and some type of payment plan has to be implemented to pay off the debt. At least that's how it's done in Tennessee.

We sold our house and paid off all the debt with the proceeds of the house. This was all drawn up by a lawyer.

That's why the trolls post seems so far fetched. His debt should have been cleared up at the time of divorce and the credit cards, jointly held ,destroyed.

Anyone that's ever been married knows that on joint accounts, the signiture of the spouse is always required.

As far as indentity theft is concerned, how could anyone steal his identity? He doesn't have one.

DON'T FEED THE TROLL!!!!!!!

[ 12-02-2005, 01:00 PM: Message edited by: Memphis Mike ]

[Joe ( Cold Spring on Hudson )]

Zimmer / Dutch has prooven again and again he is nothing more than a lying sack of sh!te.

DO NOT FEED THE TROLL

[Zimmer]

Far fetched? Hardly. I was married and divorced in the state of Virginia. At the time of our divorce the credit card companies had stopped issueing credit in her and my names, but on one mastercard account she had accumulated over $3000 in debt that I was not willing to pay and she apparently never paid, because I later found out on my report that it was down as a "charge off".

Far as I know, in Virginia, the divorce did nothing but made us seperate legal entities, and did nothing to absolve outstanding credit issues. That was up to me and her. Since I had no idea what she spent all my and the credit cards money on, I refused to pay. And by the way I never signed up for any of the credit cards she had. She did it behind my back. Nice huh?

[uncas]

Sounds like you and your ex are two of a kind....

[Joe ( Cold Spring on Hudson )]

I wonder if your fictitious wife left you because alcohol was ruining your life, anyone remember that one?

[ 12-02-2005, 01:52 PM: Message edited by: Joe ( Cold Spring on Hudson ) ]

[LeeG]

I occasionally get mail and rarely phone ads directed to my 12yr deceased mother. IS SHE ALIVE,,DO I SEE DEAD PEOPLE?,AAAHAHAHAHAHAaa
fart

[Bruce Hooke]

Zimmer, large outstanding debts should certainly have been resolved as part of the divorce settlement because a major part of a divorce settlement is dividing up any assets and liablities, but at this late date there is little point in delving into why that did not happen (if it in fact did not happen).

If she signed up for credit cards IN BOTH OF YOUR NAMES behind your back then I believe she must have forged your signature and otherwise engaged in fraud. If that is correct then you should have followed up on this with the police and other authorities and I believe you could have gotten it all wiped off your record 20 years ago. It is obviously too late for that now and since you say that your credit reports looked good a few years ago something was clearly done by someone to settle these matters. I have to say that this is smelling pretty fishy to me...

In any case, at this point this thread does not seem to be going much of anywhere. If what you say is true then pull your friggin credit reports and get the facts and leave off worrying and complaining about something that happened 20 years ago.

[Joe ( Cold Spring on Hudson )]

Bruce don't even bother its all a sack of lies. When Zimmer came to this forum he had this photo in his profile.

http://www.imagestation.com/picture/sraid194/p3ddc36a68b1b75ac8ab9eb9404b6401e/f17f26d6.jpg

He claimed to be the guy on the left in open forum :rolleyes: # 1 do you believe that? #2 if it is him and as his earlier profile DOB posted 1978. How could that lying sack of sh!te be married 20 years ago. ITS ALL LIES.

Remember Dutch's Alcohol is ruining my life thread ?

[Zimmer]

Bruce-

Since you are apparently the only person decent enough to answer my questions-

I do not know why the debt things were not resolved. I do know that I spent about $120 at the time for my lawyer to do the whole thing. No kids and uncontested by either of us. She did forge my signature for the credit cards. But she did it while we were married. I found out while we were married that she had done it, maxed the card or cards out, and the credit card companies had pulled her future credit. There was not much I could do about it at the time, seeing how I was married to her and trying to salvage a horrible mistake of marriage. When I got the divorce, I left things up to my $120 lawyer. My credit problems were resolved because of the amount of time that had passed - not because the outstanding balance was ever paid. The only hold stuff like that against you for 7-10 years. I have been divorced for close to 20.

[Peter Malcolm Jardine]

I don't care about the guys, who's that little lollipop in the middle? :D

[uncas]

Ya pay for what you get...or deserve...I have no empathy for you at all. In fact I would not understand why anyone on the forum would have any empathy for you...Ya haven't contributed anything other than...BS
You have lied...over and over again...You are an unknown and deserve the treatment an unknown receives.
Now ya want to be serous...too bad...how do we know that you are REALLY serious.
Ya get my rant....
You made your bed now lie in it....
And again, sounds as though you and your ex are a perfect pair....
Ya want sympathy....go to another planet...lie to them over a three week period...until the gen populous catches on...and then move again.

[ 12-02-2005, 06:30 PM: Message edited by: uncas ]

[Zimmer]

Your and the rest of the dwarves opinion means less than nothing to me jamison.

If you do not like what I have to say why say anything at all? I will tell you why. Because the group of dwarves love to hate. They constantly need someone to disparage and ridicule so they can feel better about their own pitiful lives. If it isnt me it will be Jack H or someone else recieving ridicule.

Every time someone like you attempts to besmirch me I get another laugh. So keep firing away, because laughter is the best medicine.

[Joe ( Cold Spring on Hudson )]

Originally posted by Tar Devil:
I am once again doing something against my better judgement, but I will answer your question... though, truthfully, you already know. What I say here applies only to me. I do not speak for others.

I tried to connect with you, Dutch. I sincerely tried to make cyber-friends with you, thought I was there. Then when you began stirring things up in Shelby I asked you, as politely as possible in a PM... as a friend... to refrain from dragging stuff from WBF to the Shelby forum. I explained why, which is between me and you and I would like to think it will remain that way though I don't have any confidence it will. You obviously didn't care before about my reasons.

You not only continued your antics but sneaked in a post under the name of Calm_one suggesting the folks there take a peek here, which they did, which escalated things to a raging boil here and there (immediately after I posted here in a rage about that incident the post was deleted). Some of those folks said some very unkind things about and to me. I'm sure some here felt just as uncharitable though did not articulate it quite so.

I tried to befriend Dutch, sometimes to the chagrin of others here. Dutch evidently felt he wasn't compromising his standards as long as he appeared under alternate identities. After all, it's just a forum, right?

Not to me. It's the intentions, the heart, and the ethics of that person touching the keys that matters to me.

That's my answer, Dutch, and it's the last time I will address this matter; it's the last time I will say anything negative about you; but it's also the last time I will trust you.

Phil

[Joe ( Cold Spring on Hudson )]

Originally posted by Wild Dingo:
mmmm will I wont I? damned if I do and probably damned if I dont so buggar it!

With the comment to Memphis Mike about "Drongo" that relates to an incident several years ago which was apologized for and apologies were accepted by all that were affected and from all others forgotten... makes me see that Zimmer has been here for some length of time under various alias's... so hes not a newbie

To me Ive never had a problem with Zimmer... or even dutch for that matter but then I can go back to when we had the major bustup with Bill Leggett and I didnt have a problem with him either... note here I wasnt awake when the shyte hit the fan over him either so perhaps I would have if Id known what it was about... anyway maybe its cause I and others who dont have any problems with Trolls try not to offend and try to keep at least a modicome (sp?) of respect within our words... sometimes it works sometimes it doesnt but seems to me if theres respect then respect is given in return?

Zimmer Dutch whatever... respect is easy and rather simple to give and recieve but when theres a build up of disrespect insult and abuse then you have no hope of ever getting any... with comments like Bruce quotes you will set yourself aside as a troll faster than anything anyone here can do or say...

Oh heck Im on a roll just now so why not!!... and by your own words do you be judged by yourself do you cast your own fate ye are doomed forever to the fate of Troll

Man that was philisophical and deeep of me tongue.gif

[Zimmer]

I wonder if Phil ever found out who "calm one" is.

It wasnt me. Period. Some one on this board is a real sh-t heel for doing that to Phil and letting me take the fall for it.

[Joe ( Cold Spring on Hudson )]

Originally posted by Memphis Mike:
I try to tell folks this person is nothin but a trouble maker and you all won't listen. The sooner you ignore his BS the sooner he will go away. He's playing "harmless, feel sorry for me crap" right now but wait until later, when he feels accepted again. Then he'll try to nail you in the head.

Just ask Phil. Hell, ask me. I know how nasty this bastard can be.

He's got a hundred different personalities. A true Schitzoid.

DO NOT FEED THE TROLL! AT ALL COSTS!

When he finds out he's being completely ignored, He'll step up his attacks and will be banned again.

He would have been banned sooner but he has been granted leniency. ;) ......for the time being.

Let this be the last post directed toward his wretched, decrepit soul.

[Memphis Mike]

" If it isnt me it will be Jack H or someone else recieving ridicule."

Would you care to tell the group about your moniker "Fishmeal" and your signiture "why leave the trailer if you don't have too?"

Your taking up for people and then making fun of them behind their backs.

You're a coward.

[Joe ( Cold Spring on Hudson )]

Originally posted by cedar savage:
The reign of each of Dutch's personas lasts only days, sometimes only hours. What's the record for a Dutch persona? Which post of his/her/it/they will be the straw that arouses Scott from his slumber?

[uncas]

Well...Zimmer...ya brought it on yourself..If you can laugh...Great...it's the only thing ya got goin' for you.
As far as lives...I've got one...And if I have a problem and bring it to the WBF..I get positive responses...No questions...
Why...because even if they do not know me personally, there is a connection...I love wooden boats...I own a wooden boat... I don't lie...My profile is true...and above all I give a damn about them.
So...go laugh your mindless head off...No one will be listening...
If a tree falls in the forest and no one is there to hear it does it make any noise.
Why don't ya get back with your ex...ya can keep an eye on her....
For someone who has only been a formite for a month...ya seem to know a lot about what happened before November...And from my perspective, ya have the acrinyms...I guess you would call them that...for various phrases down pretty well.
I've been here a lot longer and still have to figure out what LOL means.
Give it up...
Go somewhere where you are wanted if such a place exists.
And to you...I'm Mr. Johnston...Friends and people I respect can call me by my first name or my nickname...

[ 12-02-2005, 08:53 PM: Message edited by: uncas ]

[Zimmer]

:rolleyes: Sure thing Mr Klaus. smile.gif

[Zimmer]

Originally posted by Memphis Mike:
" If it isnt me it will be Jack H or someone else recieving ridicule."

Would you care to tell the group about your moniker "Fishmeal" and your signiture "why leave the trailer if you don't have too?"

Your taking up for people and then making fun of them behind their backs.

You're a coward.You redneck hillbilly - are one of the people who are top of my list of suspicion for being "calm one". You might be able to fool Phil and a bunch of these ignoramuses on here, but I see through you. You have more hate seething in side you than anyone. Remember Barry? You are the coward you jackass. You cant be man enough to admit guilt. Youll never make it through the program like that. smile.gif

[uncas]

You cant be man enough to admit guilt.

Oh God has spoken...Zimmer you're not man enough to admit anything...you don't refute any of our accusations ( no response is an affirmative response.). You lie....your supposed profile is an entire series of lies in itself....your profession.or the lack thereof...as posted is a lie...All you can do is come back with taunts.
You say an other individual is not man enough to admit guilt...You don't know what the word means..You don't know what speaking the truth means...muchless what the truth is.
You are beyond help...beyond redemption...and beyond anyone's empathy..Your ex obviously divorced you...just surprised it took her 2.5 yrs to realize what a jerk you are. You only deserve pity..and that alone is questionable.

Oh...and your showing a bit of anger up there calling MM names...bad for the blood pressure...

[ 12-02-2005, 10:36 PM: Message edited by: uncas ]

[Zimmer]

If you say so Jamie. smile.gif

[uncas]

Your ex...has your credit card...hahahahahahaha.Couldn't happen to a nicer guy? Thanks for the laughter.
Hope she keeps it and runs it up to its limit...even if your limit is only a couple of 100 dollars.

[ 12-02-2005, 10:54 PM: Message edited by: uncas ]

[Zimmer]

I finally got ahold of someone at the auto company credit department that could answer my questions. It appears that they did a "skiptrace" on my ex and my name popped up as a relative of hers. I am not sure what a skiptrace is - I guess some sort of computer records. Apparently she bought a new car and quit making payments and moved to some new locale. He did not come out and say that because he said he could not give me that information, but why else would they be searching for her? He did tell me her last known address was in California. So anyway he said my credit should be safe as it was old information that tied me to her.

I can not believe that she is 20 years older and still acting like this. She definitely has mental problems.

[ssor]

I just checked Zimmer's latest profile. By his own definition he is a one hundred year old April fool!!!!!!! :D