the personal credit reports she got from experian, transunion and equifax were all clean and withoutish. yet she kept getting rejected and couldn't find out why. >> thomas: i would get a consumer report and it would look fine. i would go to the bank, and they would tell me, "oh no, you have all this debt." but no one would tell me what was on there. >> kroft: they wouldn't tell you what the debt was, and they wouldn't give you a copy of the report that they had? >> thomas: no. no. >> kroft: it took judy thomas several years to discover what almost no one knows-- that the credit reports the agencies send to you are different than the ones that they sell to banks, merchants, and mortgage brokers. and she only found that out when a loan officer left her file on his desk and walked out of the room. and what did you see? >> thomas: i saw debt from utah medical center. i saw debt from a veterinarian clinic in utah. i saw collections for a judith kendall. >> kroft: judith kendall, not judy thomas? >> thomas: correct. >> kroft: what's going through your mind? >> thomas: what the hell's she d

they studied reports from hree major -3&pageecies -- equifax, experian and ttans-union.... and found 22 million have ignificant mmsttkes.... some that could coot you money or kkep you from getting a mortgage or a car loan. 3 3&p33 an owl hitches a ride .. but - noo by choice.... how he ended - up stuck insideean suv. & hey! hey honey! hey alan. uh, hey.... i'm bob, we talked at the tax store. i did your taxes. i thought you were a tax expert? today, i'm a master plumber. major tax stores advertise for preparers with "no tax experience necessary." at turbotax, you only get answers from cpas, eas or tax attorneys - all real tax experts. ...than h&r block stores and all other major tax stores combined. 3& an owl as a clooe call after getttng hit by an s--uv on the florrda turnpike & ttrnpike 3 get this.... sonji williims found this guy hitching a ride --3 in her suv.sseehittthe owl witt her car on thursday night.... and ssumed the bird peccme road kill.. buttturns out he surviveddand slipped into the s-u-v grill.ittwasn't 3& happened. 3 & "there was a family that --3 puuled in

commission report looked at the result of 1001 credit scores issued by he can kwi fax, transunion, and experian could mean paying more for things like mortgages and auto loans. the ftc says the report under lines the importance of checking credit score. >>> census numbers shows the dc area accounts for one of the high concentrations of households earning top 5%. within the top 5%. 1 in 7 area households earned a year. among 10 counties nationwide that earn within the top 5%. those counties are shown. louden, fairfax, howard, arlington. due to a majority of two income households and people having college degrees. >> there's a disturbing report on students in dc schools. shows a revolving door is in place as thousands are transferring even in mid year. the washington post reports more than 6,000 kids left traditional and charter schools last year and did not reenroll. quotes a study from the office of the state superintendent of education that comes out today. the high transfers raise questions about how funds are transferred. >>> shocking discovery for a florida woman. find out who was found ins

. >> yeah it is experian. a lot of people believe if you get one report corrected it automatically means that the other two are corrected as well. that is not true. if you have an area on all three, you will go through the drill with each credit reporting agency. >> let me tell folks one sobering statistic in this report, 42 million americans have errors on the credit report and 96 percent of the americans don't pull their credit report and leave it there and those errors continue to stay unless you do something about it great information and stow glad you are here, thank you. >> thanks for having me, jamie, good day. >> for all of the consumer protection segments, this is one you can't ignore. if you want to see the other ones, it is easy, go to fox news.com. click on america's news headquarters and you will find a link to the last 21 consumir protection excerpts. eric? >> voting one, two, three, four, five, six times. the story . ohio poll worker who admitted to vote for president obama not once and admits t

the study looked at just over 1,000 reports issued by the three major agencies, equifax, experian andook ceo mark zuckerberg and his wife made the known 2 spot on a list of top u.s. charitable givers. the zuckerbergs donated $499 million last year to the silicon valley community foundation. they're one of several young silicon valley couples who made the philanthropy top 50 list. google's co-founder donated around 222 million. warren buffett still tops the list giving away around $3 billion. >>> at 10:45 our chief meteorologist bill martin will be back with the complete forecast including which day we could see 70-degree temperatures this week. >> up first traffic equipment targeted by thieves, a huge price tag to make repairs and what caltrans is doing to keep thieves from coming back. the ones who inspire us, the ones who make us laugh, the ones with the strong shoulder to lean on, the ones we're named after, and the ones named after us. it takes all kinds of good to make a family. at new york life, everything we do is to help you keep good going. ♪ ♪ [ male announcer ] what's the p

the study looked at just over 1,000 reports issued by the three major agencies, equifax, experian and transunion. >>> facebook ceo mark zuckerberg and his wife made the known 2 spot on a list of top u.s. charitable givers. the zuckerbergs donated $499 million last year to the silicon valley community foundation. they're one of several young silicon valley couples who made the philanthropy top 50 list. google's co-founder donated around 222 million. warren buffett still tops the list giving away around $3 billion. >>> at 10:45 our chief meteorologist bill martin will be back with the complete forecast including which day we could see 70-degree temperatures this >>> caltrans says it's seeing an increase in theft of its copper wiring in the bay area. the problem was evident today on highway 242 in concord. someone had removed the copper wires there housed inside a meter box cutting power to a nearby metering light. caltrans has seen 59 similar incidents and is spending more than $2 million a year to repair damage by metal thieves in the bay area alone. >> that could be used to fill potho

we have a report from experian.lieve it confirms that credit reports are predominantly accurate and serving lenders and consumers well. the vast majority of errors on credit reports have no bearing on credit scores for example outdated information on a consumer's phone number and the like. for those consumers caught in that trap where there are errors, they can find it very difficult to get those removed and get a clean report in order to move on with all the financial transactions in their lives. back to you. >> all right. thank you so much. >>> ohio attorney general mike dewine is taking the ftc report a step further. he's opening an investigation into the credit reporting industry saying they are breaking the law. >> he joins us now to lay out the facts as he sees them. welcome back. you say these credit reporting agencies are breaking the law. this is a violation of the fair credit reporting act. is that what you're saying? >> absolutely they're violating the law. my office got involved in this after a series do

they studied reports from three major agencies -- equifax, experian pnd trans-union....uldd cost you money or keep you & from getting a mmrrgagg or &pcaa loan.if yoo find an errorr staat by onnacting the coosumer reporting company that compilld the reportt they're required too 3 and... accordinn to -s-n see these businesses in seven -3 years... because they're -3 they are viieo game store... gamestop.daily deal site.... groupon.commuter company ... 3& etailer...radio shack.and department tore....searss 3 support a good cause while &pphoppinn.the shops of ruxton station is donating a portion -3 of your proceeds o a good cause. cause. 3 emily gracey is streaaiig now for this mornings hometown hotspot.- tell us abouu the pvent?- why was i importtnt to host an event likeethis?- hat &pare somethings that re on sale? 3 3&pshhp in the name 3 of llve is february 13th 10:00 a.m. - 8:00 p.m. at the statton. tt learn more log ballimore dot om 3 440-buccs... could 3 400-bucks... could be yours.. & in about 10 minuues! minutes!another ame will be drawn out of our box for our freebbua

million people a year file disputes about their credit report, which usually requires a visit to the experian, or equifax websites. they're primarily designed to sell you premium products not resolve a dispute, which is what i was trying to do. there's a toll-free number you can call which is likely to connect you to someone on a faraway continent. >> thank you. how can i help you? >> where are you located? >> india. >> reporter: regard lgs of where they are they won't be much help. >> so really you can't do anything for me. i've been talking to you for 15 minutes. the only thing you can tell me is to fill it out online. >> yes, mr. kroft. >> reporter: thank you. you can send a personal letter supporting your documents and claim. in any case it's unlikely that anyone with authority to resolve your dispute will ever actually see it. >> and "60 minutes" tried unsuccessfully to get a statement from any of the three credit reporting agencies. it showed 95% of its customers were satisfied with the dispute process. >>> joining us now cbs news contributor and analyst mellody hobson. good morning. >>

commission report looked at the results of 1001 credit scores issued which equifax, tranceunion and experian mean getting denied for them. the fdc says the report under lines the importance. a much closer look at the issue and how to protect yourself coming up in the next hour. >> dc schools are seeing a high turn around. and it is bringing about concerns for funding for schools. a new study by the office of the state superintendent of education shows more than 6200 schools left public. those students did not reenroll in any other schools. nearly 5,000 students entered dc schools during the year. does raise concerns about how much funding schools receive. enrollment at the beginning of the year. >> still ahead, the future of the catholic church. >> one day after the pope's shocking resignation announcement. we'll take a look at who might succeed him. >> one last chance to party before lent. the fat tuesday celebrations down in the crescent city. >> be good to be in the big easy today. as we head to the break, a live look outside. we're going to get the latest weather and traffic from tucker