is me. THEN they said " our records state that you took out a mortage loan in april 2003" how did you finance this..
ANYWAYS I never took our a mortgage loan!!!!!! I dont even know what that is!!!!!! Does this mean someone stole my idenity??? Or is this just a trick question that they ask everyone???
2007-09-19 05:40:31 · 6 answers · asked by cuteness 4 in Business & Finance ➔ Credit
I dont know alot about this stuff, but 've never been accepted for a credit card... could this be why????? I have bad credit? cuz someone stole my idenity???? how can I find out?
2007-09-19 05:41:27 · update #1
Just put no and continue. They ask everyone that question. Just answer honestly and don't put a second thought to the questions.
Just click no. It happens to everyone.
2007-09-19 05:45:17 · answer #1 · answered by FaZizzle 7 · 1⤊ 0⤋
If one of the choices is "none of these", select that option. Then, when you look at the report, see if the mortgage is listed. If it is not listed, you are fine. If it is listed, then someone stole your identity.
They ask everyone a question like that, but the date varies. If the person has a mortgage loan, the date and one of the various multiple choice options are correct. If the person does not have a mortgage loan, then the correct answer is "none of these".
2007-09-19 07:05:02 · answer #2 · answered by StephenWeinstein 7 · 1⤊ 0⤋
They ask trick questions just to make sure that it really is you.
If you didn't take out a mortgage, then click the answer that you didn't take out a mortgage. It's no reason to panic.
Good for you for keeping an eye on your credit report! Please make sure that you are using a reputable site to get your credit report from. Some of them are scams. I recommend using www.annualcreditreport.com. This website will allow you to check the activity on your credit report from each of the major credit monitoring bureaus for free once a year. They charge you money to get your actual FICO credit score, but the report is free.
2007-09-19 06:36:44 · answer #3 · answered by Stacia T 3 · 0⤊ 0⤋
What happened when you responded? Did they tell you they couldn't give you the credit report because they couldn't confirm your identity?
If so, send a letter requesting a copy of your credit report. You will need to send a copy of your driver's license, social security card, and I believe something with your address, like a utility bill in your name.
When you get the credit report, review it carefully and dispute any errors wth the credit bureau. It could just be a mix up with someone with a similar name.
2007-09-19 05:49:24 · answer #4 · answered by bdancer222 7 · 1⤊ 0⤋
You didn't say who you were contacting: the credit reporting agency directly, or some advertiser who promised to get it for you free. The credit reporting agency won't ask you that question, it will just ask for your SSN, maybe your mother's maiden name, etc., to be sure that you are who you claim to be. If you need more info on how to get a credit report properly, see the site below and look up "Fair Credit Reporting Act".
2007-09-19 06:37:06 · answer #5 · answered by AnOrdinaryGuy 5 · 0⤊ 0⤋
just atrick question! click NO
2007-09-19 05:48:05 · answer #6 · answered by KelLzZz 3 · 2⤊ 0⤋