@Anonymous wrote:Hey I have a question since im fairly new to this. Im 20 years old and have just started to build credit since i figured I would need it in the future. when I tried to check on my credit score via equifax for the first time ever it said there has been a loan taken out in my name and I had to give them some information on the loan in order to get my score. I have never taken out a car loan or a house loan in my life. Does that mean that someone has stolen my identity? no money has gone missing from my account ever so it dosent affect my financial situation but i would really like to know if someone else is using my name to take out loans and such. What should I do at this point?
Next time you get asked that question, you should click the option for "none of the above".
EX:694 TU:744 EQ:777My wife has a slim credit profile, and when pulling a report directly from a CRA or using a site like annualcreditreport.com, it usually asks 4 questions. It will usually say something like, "you may have opened a mortgage in 2007. please select the lender". My wife didn't even have a social security number until 2011, so the answer is obviously, "none of the above". Then it will ask something like, "please select the amount you pay monthly for the above mentioned account". Again, the answer is "none of the above". Then it will state something like "you once lived in one of the following cities". One of the answers is a city where my wife and I lived.
Even after answering all of these correctly, until my wife had about 6 months reporting history, the resulting message was "we don't have enough information to verify your account. please call xxx number". After some reporting time, she was able to answer the same questions, including the "none of the above" answers, and get her credit report.