i was a victim of identity theft i don't have a credit card so how do i get a credit check?

Question

this all happend when i was under the age of 18 but i cant get a any credit and every time i try to do a credit check it tells me i need a creidt card i have never had any creidt cards i do however have bills that i pay on time but how do i fix this

Answer 1

For checking your credit report you dont need to have a credit card. Once a year, you can get one free credit report from each of the three major credit reporting agencies: Equifax, Experian, and TransUnion. For more information about this go to www.annualcreditreport.com.
Checkout http://www.howtoestablishgoodcredit.com/Credit_Articles/index.php
There are lots of articles there, related to your question, which you can find useful

Answer 2

I'd rather risk identity theft than have nothing. I have one credit card and the company calls anytime it appears to be a transaction that is out of the ordinary. I try to deal as little as possible on line where the number can be stolen and deal only with secure sites that I know.

Answer 3

If you were a victim of identity theft and it is not clear, I can help you. You get 1 credit report every year, from all 3 credit places, however you do not get your score. You will be able to see what is on it though and if you need to dispute anything. Good luck

Answer 4

You need to get your identity theft fiasco in order. Unfortunately it is a long process and not easy but you got to start from somewhere. Withouth credit you won't be able to own a home and if you buy a car with no credit your interest rates will be very high. No one takes into account utility bills and stuff like that.

Answer 5

Hey
what s going on is that the lender ovender you are applying for use Equifax as their credit check on you what you can do is apply for a credit report of yourself and you can get it free by calling or writing these three bureaus equifax. transunion, and experian. they must give you a free copy of hwat tey have on file with your name,date of birth , address, and socal security number//if you tell them you were under identity theft then they will contact you anytime someone request any information with your ss# on it//paying your bills on time is great keep that up when you want to borrow or get credit the creditors are looking to see your credit history or who has lent you money or givn you credit your credit history speaks for you it tells the creditors how you handle your bills or how you pay back what you borrow what you have right now are what we call non traditional credit it is like your rent, utility bills that are not reported monthly to the credit companies so if you get it credit card the company on which you apply will check to see what your history looks like then will select if they will give you credit or not most credit card companies are set up on a credit scores system they see what yoru scores is then they will let you know for example discover and american express are at a score of 725 to get their cards// good luck

Answer 6

You should get a credit report before applying for a credit card.

There are many places online that offer "free credit reports", but they ask for a credit card in order to "verify" your identity before giving it to you. I don't trust them, for I was deceived by one and were deducting $39.99 each month without my consent. And it took me almost a year to get them to stop billing my card.

To learn how you can get a copy of your credit report contact any of the following major Credit Reporting Agencies:

http://www.transunion.com/
http://www.experian.com/
http://www.equifax.com/

Answer 7

How do you fix what ? You have no credit cards and you pay your bills on time. That's perfect !!

Please read Dave Ramsey's book The Total Money Makeover. It's about debt and why most people never live the American dream - BECAUSE they are always in debt. But you do need a budget.

Good Luck

Answer 8

You do not need a credit card to check you credit...If you have things like cellphone bills and light bills under your name that does not show up on your credit report..

Answer 9

You can get a paid credit card. Do a search for paid credit cards and get some credit built up that way.

Answer 10

How can I tell if I'm a victim of identity theft?

* Monitor the balances of your financial accounts. Look for unexplained charges or withdrawals.
* Other indications of identity theft include:
o failing to receive bills or other mail, which may signal an address change by the identity thief,
o receiving credit cards for which you did not apply,
o being denied credit for no apparent reason, or
o receiving calls or letters from debt collectors or businesses about merchandise or services you did not buy.

Some of the signs mentioned above could be the result of a simple mistake, but you shouldn’t ignore these and just hope they will go away. Always follow up with the business or institution to find out exactly what is causing the situation.

Identity thieves may use any number of low and or high-tech methods to gain access to your personally identifying information. For example:

* They get information from businesses or institutions by:
o stealing records from their employer,
o bribing an employee who has access to the records,
o conning information out of employees, or
o hacking into the organization's computers.
* They rummage through your trash, the trash of businesses, or dumps in a practice known as "dumpster diving."
* They obtain credit reports by abusing their employer's authorized access to credit reports or by posing as a landlord, employer or someone else who may have a legitimate need for and a legal right to the information.
* They steal credit and debit card account numbers as your card is processed by using a special information storage device in a practice known as "skimming."
* They steal wallets and purses containing identification and credit and bank cards.
* They steal mail, including bank and credit card statements, pre-approved credit offers, new checks, or tax information.
* They complete a "change of address form " to divert mail to another location.
* They steal personal information from your home.
* They scam information from you by posing as a legitimate business person or government official.
Once identity thieves have your personal information, they may:

* Go on spending sprees using your credit and debit card account numbers to buy "big-ticket" items, like computers, that they can easily sell.
* Open a new credit card account, using your name, date of birth and SSN. When they don't pay the bills, the delinquent account is reported on your credit report
* Change the mailing address on your credit card account. The imposter then runs up charges on the account. Because the bills are being sent to the new address, it may take some time before you realize there's a problem.
* Take out auto loans in your name.
* Establish phone or wireless service in your name.
* Counterfeit checks or debit cards, and drain your bank account.
* Open a bank account in your name and write bad checks on that account.
* File for bankruptcy under your name to avoid paying debts they've incurred, or to avoid eviction.
* Give your name to the police during an arrest. If they are released and don't show up for their court date, an arrest warrant could be issued in your name.
The Fair Credit Reporting Act(FCRA) gives you specific rights when you are, or believe that you are, the victim of identity theft. Here is a brief summary of the rights designed to help you recover from identity theft.

You have the right to ask that nationwide consumer reporting agencies place “fraud alerts” in your file to let potential creditors and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. You may place a fraud alert in your file by calling just one of the three nationwide consumer reporting agencies. As soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file.
* Equifax: 1-800-525-6285; www.equifax.com
* Experian: 1-888-EXPERIAN (397-3742); www.experian.com
* TransUnion: 1-800-680-7289; www.transunion.com