My credit report show I may have a home loan in my name. I have never taken out a home loan. Can I evict the poeple living in the house and take it over?
2007-03-04 10:24:48 · 11 answers · asked by Anonymous in Business & Finance ➔ Credit
You won't have to evict the people. You don't have any contract with them. They are tresspassing. You might have to take over the payments to keep the house, but if there is any equity in it, you might want to consider selling it for a profit. I guess first you would have to find out where your house is located.
The people living there might get a court order for you to stop if it is an honest mistake and not their fault, so you might want to look into that too, like everyone else said.
But I was the first one to answer the question as it was posed.
2007-03-04 11:09:41 · answer #1 · answered by sorcergeek 4 · 1⤊ 4⤋
First, I would contact the bank listed on your credit report and let them know there is a loan with your name on it and get the details. This may be a case of fraud or it may be that someone has a name like yours and the credit bureau has made a mistake (It does happen - my mother and sister do not share a SS# and are constantly getting reported on each others report)
If it is fraud, you need to make a police report. I don't know if you will be able to get the home since it is fraud, my guess is no. But it is important you find out the truth.
Good luck.
2007-03-04 10:45:13 · answer #2 · answered by Anonymous · 1⤊ 1⤋
Are you talking about the question you are asked when you go online to view your free credit report? It's a question they ask everyone to verify that you are who you claim to be and that you have the right to view your credit report.
If that is the case, then there is an option that says something to the effect of "none of the above". Select that option if you do not have a home loan.
2007-03-04 10:34:06 · answer #3 · answered by Anonymous · 3⤊ 1⤋
Go to the websites of the folloinw Credit Reporting Agencies
Experian.com
Transunion.com
Equifax.com (there may be a charge from this company)
Contact each credit reporting company and ask them to mail you a copy of your Credit Report. I think the reports are free. Look on the websites to make sure.
There may also be telephone numbers for each company.
2007-03-04 10:45:46 · answer #4 · answered by newyorkgal71 7 · 1⤊ 1⤋
Sacagawea is correct. If you actually saw at your report, it NEVER says you MAY have anything. Either there is a mortgage on your report or there isn't. If you are trying to order a copy of your report, the website will ask multiple choice questions about your report to verify you are actually who you claim to be. One such question is "You may or may not have a mortgage with one of the following companies:". If you don't have a mortgage, the correct answer is 'none of the above'.
2007-03-04 12:14:41 · answer #5 · answered by STEVEN F 7 · 0⤊ 1⤋
optimum student loans do belong to the credit bureau. It takes 24 months of pastime to get to a solid score (660/749).I had credit collaborating in playing cards with the help of actuality 1967 and with the help of no means asked what my credit substitute into with the help of actuality they are in straight forward terms numbers.
2016-10-02 09:29:52 · answer #6 · answered by ? 4 · 0⤊ 0⤋
File a dispute on that item. You need to get that off your report. It sounds like you may be a victim of Identity Theft so you need to report it to the fraud department of whichever credit report that was on.
Go to the link below and read what other steps you may need to take.
2007-03-04 10:45:43 · answer #7 · answered by Faye H 6 · 1⤊ 1⤋
your situation sounds like something that a friend of mine went through. she had discovered that there was another woman with the exact same name as hers and that their social security numbers were only 4 numbers apart.
it may take awhile to get things straighten out but your best bet is to contact a lawyer who specializes in credit reports to deal with problem. who knows -- you may be an owner of the home without paying anything for it.
2007-03-04 10:33:48 · answer #8 · answered by Oceannia 2 · 2⤊ 1⤋
Someone has gotten a hold of your personal information and used it to get that house. you need to take care of this, they could ruin your credit, making it so you wont be able to do ANYTHING. buy a car, house, whatever it may be, it will make your life hard. contact one of the credit reporting agencies for more information on what you can do about this. Be prepared to prove you are who you are and not someone pretending to be you.
2007-03-04 10:29:57 · answer #9 · answered by Anonymous · 2⤊ 1⤋