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I was recently declined for a car loan and was a tad surprised to say the least. The dealer saud that my report showed that I had had a car repo'd and $1000 credit card bill outstanding. Besides the fact that I never owned the car that he mention and I never shop at the store that had the outstanding bill, the credit agency listed me as living in N.C. when I really live in N.Y. I guess my first question for these folks is, how can they have my wrong address and incorrect debts if they use my social security number? If I am late with a payment or I don't pay then I get reported, but aren't I reported to the credit agency with my social security number, not my name?
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