My credit report told me i may own taken out a mortgage but i did not! why?!?!?
So I tried to check my free credit report with Equifax today, and before it permit me see it, which I could not anyways for "security reasons" apparently, it told me that I may have taken out a mortgage surrounded by Feb. 2004 and asked me to confirm with what organization. The point is, I NEVER did such a thing, I don't even have a credit card, never did, I am not even a U.S resident, I enjoy a student VISA. Is this something I should seriously worry about??
Answers:
There is no mortgage on your credit report.
They are asking you questions about your financial ancient to make sure you are who you say you are. They throw surrounded by trick questions in baggage you are someone trying to steal another persons identity.
I would guarantee this is just a *test* put somebody through the mill, and when you do look at your report there will be no mortgage from 2004.
No those are just typical surety questions they ask that only the unadulterated person would know. If you did not take out a mortgage and answered it correctly next you shouldn't have any problems. Also, they usually give you just about three or four questions and I think you one and only have to answer two or three of them correctly to gain access to your credit report online. You should go final and try again, don't be deterred by information you know is not correct because it's just to throw the bad guys stale.
If you own no commercial or credit card debt in the US, what makes you contemplate you'd have a credit score?
Call Equifax one-sidedly and find out what you need to know...
If Equifax only applies to US residents, and you aren't one, you enjoy nothing to worry more or less. Perhaps someone over there has a similar pet name to you. And as you have a student visa now, I'd guess you be under 18 in 2004, and be under-age for making legal agreements back next anyway. Don't lose any sleep over it.
Maybe.
You should follow the process for submitting a request in writing for a (written) copy of your credit report from all three credit reporting agencies.
It is entirely possible that because of your status and/or dearth of credit the automated process (online) could not match you up with your actual store. It may also be that as a non-citizen you are not entitled to the online benefits and/or the annual free copy. In the written request these problems should not exist (A person can spell it out for you).
It is also possible that someone have used your identity for financial gain.
In any event, getting to the bottom of it as soon as possible is in your best interest.
Answer no you didn't, and see what happens. If it let you into your report, you're OK. But if it doesn't let you in, or if the report shows something not yours, ring up Equifax right away.
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Answers:
There is no mortgage on your credit report.
They are asking you questions about your financial ancient to make sure you are who you say you are. They throw surrounded by trick questions in baggage you are someone trying to steal another persons identity.
I would guarantee this is just a *test* put somebody through the mill, and when you do look at your report there will be no mortgage from 2004.
No those are just typical surety questions they ask that only the unadulterated person would know. If you did not take out a mortgage and answered it correctly next you shouldn't have any problems. Also, they usually give you just about three or four questions and I think you one and only have to answer two or three of them correctly to gain access to your credit report online. You should go final and try again, don't be deterred by information you know is not correct because it's just to throw the bad guys stale.
If you own no commercial or credit card debt in the US, what makes you contemplate you'd have a credit score?
Call Equifax one-sidedly and find out what you need to know...
If Equifax only applies to US residents, and you aren't one, you enjoy nothing to worry more or less. Perhaps someone over there has a similar pet name to you. And as you have a student visa now, I'd guess you be under 18 in 2004, and be under-age for making legal agreements back next anyway. Don't lose any sleep over it.
Maybe.
You should follow the process for submitting a request in writing for a (written) copy of your credit report from all three credit reporting agencies.
It is entirely possible that because of your status and/or dearth of credit the automated process (online) could not match you up with your actual store. It may also be that as a non-citizen you are not entitled to the online benefits and/or the annual free copy. In the written request these problems should not exist (A person can spell it out for you).
It is also possible that someone have used your identity for financial gain.
In any event, getting to the bottom of it as soon as possible is in your best interest.
Answer no you didn't, and see what happens. If it let you into your report, you're OK. But if it doesn't let you in, or if the report shows something not yours, ring up Equifax right away.
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