When I was 18, I found out that my identity had been stolen. I had to call all three of the major credit bureaus and explain that I wasn't 18, that at the time I was 14. Talking to them was the easy part. Actually calling the places who held the account was a lot harder. Dominion East Ohio took me over a year to get it cleared with them. Embarq gave me the run around. They said Sprint held the account and Sprint said Embarq held the account. FInally Embarq admitted to holding it and cleared my name. The newspaper said I owed like $225 for a run up in advertising, but were real easy to get them to clear the account.
I would say as a rule, don't count on getting blemishes removed. Even though I was 14 when my ID was stolen, a couple places actually wanted me to provide police reports stating my ID was stolen and it was being investigated. After many arguments about me not being responsible for accounts they allowed under my SSN before I turned 18, they finally caved.
As I said before, don't count on it, but it can happen.
· 1 decade ago