My credit score fluctuates pretty heavily. in 1998 I was traveling through Midway airport and dropped my wallet. In it was my Drivers license and SS card (I know that was really dumb). Having a Spanish last name made it real easy for Illegals to steal my Identity. Every couple of months I have to write letters and get affidavits from the MN, IL and MO Attorney General to fight this fraud and get my credit score back up and the illegal charges removed. I have found that the credit score companies give a rats ass what they put on there.
Around 2 times a year I have to call the Phone, water, power or cable company and get them shut off at an address in Cicero, IL. It's always the same address. The Illegals name is Miguel and him and I have had a few conversations over the years. The last one had the Cicero police pulling me off of Miguel so I could spend the night in the lockup (no charges filed). They refuse to do anything to Miguel, because as the cops said it's the Post Masters jurisdiction who will tell you it's a victimless crime.
I was on the phone with ComEd fighting a particular charge. The girl on the phone asked me if I ever met the man at that address. I said yes I have confronted him on a few occasions. At that point she said "Well you know him which tells me you gave him permission to use your SSN so we are not taking it off your report". I stayed very calm and asked her her full name which she provided. WHile keeping her on the phone I logged onto the ComED site and looked up the address of their call center and then went to Intellus and looked up her information using the work address and name as a reference. From that I got her home address, phone number and SSN. I then very politely thanked her for the meeting and time. My final comment was "Oh and by the way since we met I thank you for allowing me to use your address and SSN of XXX-XX-XXXX to get credit" and hung up. less than a minute later I got a call back from her telling me they will be removing that fraudulent charge from my credit report.