URGENT: How do I dispute my credit report? Difficulty: no (current) American address or phone number, and not currently in the USA. Background: Twentysomething English teacher in Seoul, South Korea. American citizen, but I’ve been in South Korea for 8 1/2 months.
Earlier today I decided to check out my credit report from annualcreditreport.com on a whim. I noticed SEVERAL credit lines I couldn’t possibly have opened, what with being in South Korea and all. These have apparently progressed to the point where they are being 90 days past due or charged-off. I did not open these accounts, to say the least, and am certain I’ll be looked at rather skeptically by some. I’m in South Korea, though - 7,000 miles away.
I should note that I experienced some fraudulent activity with my bank’s debit card back in April and May. Through a lot of work with the bank (and more than a few expensive phone calls), we were able to cancel the old card, reverse the charges, and get a new debit card (where it’s sat unused in a file cabinet for the last several months). I assumed that was the end of it… until now.. Through the credit report I have the names, addresses, and some phone numbers who I supposedly have accounts with. I have account numbers of accounts I don’t have.
Is there a website where one can dispute AND MONITOR PROGRESS issues on their credit report online? So far I’ve researched csccredit.com (affiliated with equifax), but they can only send a report via mail to an American address. I *highly prefer* online (if worst comes to worst I’ll have the report sent to my parents - a slow and highly inefficient process, at best).
I return to the states in about 3 1/2 months - and from the horror stories I’ve heard online, it may take every day of that to get back to good. Help, please.
Original text: How do I dispute my credit report from overseas via online?