To make a long story short, I tried to get my credit report information online from annualcreditreport.com, and it asked those personal questions confirming who you are. It asked what company i took a mortgage loan from in 1998, and what year i did, as well as an auto loan in 2002! I have NO idea where these came from. I was 10 in 1998!!! Theres no way i could have done that! And now my information is frozen. I put a fraud alert on my account by calling Experian, but there were no live people to talk to, so i couldnt get help. i dont know what to do. I'm 19, my parents wont help me im completely lost, please help!!!!
2007-05-25 11:07:13 · 8 answers · asked by shelb 2 in Business & Finance ➔ Credit
You are the victim of identity theft, it seems. Get your report from one of the other three bureaus and see how it compares. You should also talk to a live person there.
2007-05-25 11:11:36 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Why won't your parents help you?
Could they have been responsible for putting the loans on your Social Security number - they had access to your personal information Did anyone in your family buy a house in 1998 or a car in 2002?
What 'information" is frozen, and by whom? I would recommend that you report the fraud to all three credit reporting agencies, not just experian, and keep calling until you get someone to talk to; it might be hard over the long holiday weekend however.
2007-05-25 11:16:46 · answer #2 · answered by Piggiepants 7 · 0⤊ 0⤋
Go down to Legal Aid and see if you can talk to a lawyer for free. At the very least s/he can start referring you to relevant organizations in your area to help you clean up your credit history. Be prepared to find out that the perpetrator may be someone you know. Sometimes desperate adults take names of children they know because they know that the children will not be held responsible for the debt.
Please avoid getting a credit history report online. Get a second opinion from another Credit Bureau. It could be that this online one is rigged. (The website might be infected with a virus). Play it safe and get a second opinion.
2007-05-25 12:08:35 · answer #3 · answered by Alletery 6 · 0⤊ 0⤋
Have you tried calling the toll free number and getting your report that way? The number is 1-877-322-8228 or you could write them a letter:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
You would have to download the form to send if you mail the request. Did you have some problem that made you want your report or was it just curiosity about your report?
2007-05-25 11:16:27 · answer #4 · answered by Tater1966 3 · 0⤊ 0⤋
To get your report over the internet, they are required to ask identifying questions that have to do with accounts on your credit report. If you don't have any accounts on your credit report, they will ask false questions, and expect you to answer that it's not your account.
If you answer the questions incorrectly according to their records, you will lock your report and have to order the report via snail-mail or phone. Here is the form to request your information in writing: https://www.annualcreditreport.com/cra/requestformfinal.pdf
Send it in and see what comes back. If there is credit history that is not yours, you are a victim of identity theft.
Here is an FTC website that will help you deal with the identity theft, if necessary: http://www.ftc.gov/bcp/edu/microsites/idtheft/
2007-05-25 11:22:20 · answer #5 · answered by aj485 5 · 0⤊ 0⤋
Print out the credit report request form on their website and mail it in along with proof of your address (photocopy of driver's license, utility bill, anything with address on it) and social security number (photo copy of your social security card or any other official document with ur ss# on it.
Send it in and wait for your credit reports. Look them over carefully to see if you are a victim of identity theft. If you are, visit the FTC's website and learn how what you can do as a victim of identity theft.
Good Luck!
2007-05-25 11:14:22 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Now don't go scaring this 19 yo about identity theft...
It could be a mere transposed ssn or other identitfying information that when crossed referenced brought up someone elses information.
http://www.CrediTips.com/blog/index.php
2007-05-25 11:16:41 · answer #7 · answered by CreditScoreBooster 2 · 0⤊ 0⤋
YIKES!!!!! Ok OK okay lets not panick. its okay you have youth on your side. go to the Equi-whatever site and email them....till then check out this site its a resource for debt information, etc
www.netwealthmedia.com
2007-05-25 14:11:17 · answer #8 · answered by 0 2 · 0⤊ 0⤋