When I was checking my credit report, it says that I took out a mortgage in February of 2002 and asks for some information about it in order to verify that it is my report.
Problem is, I have never taken out a mortgage...ever. Is it possible that this is a trick question as on all of the questions there is a none of the above response? Has anyone else heard of or had this problem?
2007-01-24 05:10:15 · 4 answers · asked by meliss 2 in Business & Finance ➔ Credit
Yes it could be a trick question. If you don't have one don't aswer as yes. I got mine check out and it asked questions like that, I believe if somebody is trying to access it and they are not you they won't know the answer. So is more like to protect you. However they should be some questions that do apply to you. I had a question asking what company I have for a loan I took, and it mentioned like three different companies, one was mine and I clicked then it ask how much per month do I pay. These are personal questions. Once u open the credit report u will see what is there and if something is not then u need to contact the credit companys for possibly frau*d. i hope this is not the case for you. HTH
2007-01-24 05:17:46 · answer #1 · answered by Lola 2 · 1⤊ 0⤋
It's entirely possible that they have the wrong information listed on your credit report and in fact are reporting that you do have a mortgage. It happened to us.
We pulled my husband's report and they had him owing back child support(he had no children) and also showed several charged off accounts that were not his. They even had a defaulted mortgage listed when he had never owned a house.
Equifax had merged someone elses account information on his credit report. The other person had a very similar social security number. We disputed the information and Equifax promptly removed all but one of the charged off accounts. We had to fight the company to get that account removed, but did eventually get it taken off.
Perhaps you could check one of the other credit agencies first if you want to do an online check. Maybe try to pull the report again and they might ask you a different question this time? You may end up having to order your report by mail. By all means, check it out. You will probably find errors that need to be changed. Good luck!
2007-01-24 05:32:13 · answer #2 · answered by JustLookinAround 3 · 1⤊ 0⤋
If you're just answering the brief questionaire in order to actually see your credit report, yes, this could be very normal. Check none of the above and be sure not to type in any personal information if you don't feel right about it or don't trust the site. (You can always see your report without your score for free at annualcreditreport.com, by law)
2007-01-24 05:19:58 · answer #3 · answered by CSUflyer 3 · 3⤊ 0⤋
It is a trick question. Answer it truthfully. How else are they going to know if it is you? I got the same question while I was trying to check my report. It is just so they can throw off somebody who wouldn't necessarily know if you had a loan or not.
2007-01-24 05:22:26 · answer #4 · answered by lavendertg 4 · 1⤊ 0⤋