> I still get dinged for not having "enough" credit history
Maybe the data is wrong? I took out a few loans over the years with strange comments from the lenders like "You don't have much credit history", but since it didn't impact anything I didn't think much of it. Somewhere down the line a lender was like "I don't think this is you". Turns out that it wasn't.
As I understood it, it was a bit stranger than that. There was some minimal activity on the report that was actually me (a phone account, if I remember right), but my credit cards and whatnot didn't show up. But also some activity did that wasn't mine. I was somehow partially combined with another credit history, or something like that. I am not well versed in the technical details to truly understand what the problem was. I had to fill out some form to get it corrected and haven't thought about it since.
I’ve had entries show up on my credit report that were not mine, but my father’s in another city 750km away. I did not want his bill payment history mixed in with mine. At all.
It was actually more difficult to have them removed than you’d expect. I’m sure it is by design. You could start the process only after signing up for an online account, but the actual request needed to be made via fax.
Maybe the data is wrong? I took out a few loans over the years with strange comments from the lenders like "You don't have much credit history", but since it didn't impact anything I didn't think much of it. Somewhere down the line a lender was like "I don't think this is you". Turns out that it wasn't.