Mixed credit report will happen when one individual's credit history is mistakenly merged with another person's credit file. This can happen due to having the same names, social security numbers, or due to errors made by clerks while entering data. These situations can have severe and chilling consequences as regards your credit score, ability to borrow, and more. This article brings together the reasons that result in a mixed credit report and how to work through those problems.
Reasons for a Mixed Credit Report
Mixed credit reports mainly arise from the following reasons:
Identifying Information: Similar names, addresses, or social security numbers have the possibility of causing merging of files.
Errors in the Credit Reporting Agencies: An employee in the credit bureaus or computers that cross-match records can mistakenly merge them.
Fraudulent Activity: Identity thieves can charge activities under your name using your personal information.