more importantly is does the NEW card number show the original open date or teh date that you got the new card? for example, i had my wallet stolen several years ago. i reported all my cards stolen and got new ones. Discover and First USA both reported the old numbers as lost/stolen and teh new ones with a open date of when i got the cards. this decreased my FICO instatnly because i lost several YEARS of age on my TL. if you wish to see you current score, the ONLY place to get the real score is to go to MYFICO.com and pay for it. remember, if it does not SPECIFICALLY say this is a FICO score, then it is an inhouse score for whatever service you are using and may differ greatly to teh good or to the bad from you rreal scores that lenders look at.

Start with a sheet of paper, or photo copy the report and using pencils correct each error and then send it back. Is it the same on all the credit agencies? You need to get copies from each agency, Equifax, TransUnion, and Experian and compare each. I would clarify the mistakes, but I don't know if you can remove addresses. One of the companies you can call, and this might help. If you never worked for a company, you can put in a disbute. On the credit report you received, it should tell you what to do to change/disbute the information. As to the married question, talk to your tax person or a lawyer about that. I too am in the process of clarifing some information on my reports. Good luck and you can get help by just typing in credit score information.

Hi breenthumb, Rumour has it that there are other insurance companies. Granted, there are fewer than there used to be, as they, like most corporations, hate competition on their own level and will go to great lengths to get rid of competitors. Some time ago I had a personal tax-deferred retirement account with a stockbrokerage, which had incurred no administration cost for years, as it had been grandfathered that way when that company took over another company. When I came to the age where I had to reverse it from an account into which I paid in, into one into which I could no longer pay in, but must withdraw a certain percentage annually, which increases from about 7% at age 71 to 20% at age 90 and beyond, a problem arose. They said that there would be an annual administration fee, and my claim that it was a continuation/reversal of a fee-free account that I'd had with them for years fell on quite deaf ears. So ... I did some checking with some other agencies, and came back to report that, since such and such a company and so and so company would agree to carry my account without an administration fee, I was considereing transferring my account ... they seemed to have a change of heart, for it appeared that they, too, could carry that account without an admin. fee. Which they've done for about 10 years, now: nice to have a little skill and effort save one well over $1,000., on occasion, right? I didn't feel it necessary to include in my report the fact that I would be somewhat less inclined to use the other companies than the one that I had been with for years ... as Grandma used to say, "One should tell the truth ... but there's no reason that one should blab and tell all that one knows". So ... ... if you don't, or haven't owed money for several recent years in several locations/circumstances ... ... they figure that your trustworthiness is suspect, do they? As I've lived in over 20 locations in my 79 years (as I discovered when they asked over on KT in how many places one had lived), I've never owned a home ... ... so never had a mortgage. As I live fairly frugally, I've had few loans. Which situation is aided by the fact that I tend to buy old cars and drive them into the ground, which usually takes 5 - 7 years ... which enables me to buy them for cash (having added a bit to emergency funds from time to time, and drawing on it to make those smallish purchases). When I have substantial debt and must pay quite a lot of interest every month, it seems to me that, since much of our debt is usually non-deductible, if I have to pay $100. monthly in interest, and make $10.00 per hour, after-tax income ... that means that I work 10 hours/month for someone else, the holder of my loan(s). I'd rather wait until I can afford to pay cash ... and pay myself, instead. Learning how money works is an interesting hobby ... that pays well ... and I hope that you're developing increasing shrewdness at managiong your income and assets effectively: to benefit you rather than the other guys (with the exception of worthy charities). Hope you're part way into a happy weekend. One nice thing about retirement is ... that every day is weekend. A nice benefit of learning skillful management of money may well be/quite likely will be ... early retirement (at your choice, not because your company downsizes when you're about 50 ... leaving you out in the cold). ole joyful P.S. I could qualify, as I've had a Line of Credit, usually unused, for about 10 years, and have had a credit (actually "debt") card for several years, which I use infrequently. I recently took on another, which offered 1.9% on transferred balances for most of this year, figuring that I'd buy some stock using the original card, then transfer the balance, as the bank, which had usually charged me bank prime on my loans (fully secured), they recently said that prime was 3.5% ... but they needed a 1.5% surcharge, to total 5%. Now, however, they say that the interest on my Line of Credit will be 2.25% ... so I'll take that, instead of jockeying on credit cards - not a good idea to shift from one horse to another while crossing a stream, I figure. Most cards charge full rate (often 18% on mainline cards: 28% or so on store-issued cards) from the date of the advance until it is paid in full, and I'd not be sure how long it would take to transfer to the second card. o j

I "googled" your question and found this. It looks like SSA was making a verification request to establish your identity in order to establish your SSA website account (see paragraphs three and four below) and does not affect your credit score (see last paragraph). The Social Security Administration provides an “Earnings and Benefit Estimate Statement” for all workers age 25 or older. The statement provides you with a history of your earnings and projected benefits. The SSA stopped mailing statements a few years ago, but you can obtain your Social Security Statement online at www.socialsecurity.gov. The online statement provides eligible workers with secure and convenient access to their Social Security earnings and benefits information. The online statement provides estimates for retirement, disability and survivor’s benefits, making the statement an important financial planning tool. In addition, the portal includes links to information about other online services, such as, applications for retirement, disability, and Medicare. When you sign up on the SSA website, they carefully verify that you are who you say you are. They ask you to provide several different types of information and to answer questions that only you should be able to answer. They may also use an identity verification service provided by Experian to help verify your identity and protect your privacy when you register to do business with them online. When the SSA makes a verification request to establish your account, Experian may use information from your credit report to help verify your identity. As a result, you may see an entry called a "soft inquiry" on your Experian credit report. This will show an inquiry by the Social Security Administration and the date of the request. Soft inquiries do not affect your credit score, and you do not incur any charges related to them. Soft inquiries are displayed in the version of the credit profile viewable only to consumers and are not reported to lenders. The soft inquiry should not appear on your credit report from Equifax or TransUnion, and will generally be removed from your Experian credit report after 25 months.