I was just trying to get my credit report, and they asked me two questions.
“based on your credit report, You may have purchased a home in 2010” it gives me a series of addresses or the option none.
and
“based on your credit report, you have a loan for a car”
give me some car models and the option none.
I answered none for both of these and it couldnt process my answers and asks me to mail in more identification.
I am only 19 years old and have not even owned my own car, much less a house! I live in an apartment with my mom and her car is in HER name! I need answers!
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Not necessarily. Credit reports are known to have many, many errors. I presume you provided your SSAN for further identification. Work on getting a copy of the report and see who the mortgage holder and car loan holders are. Then go from there.
Sometimes, they only have a name and city to match up. If you are one of a thousand John Does’ in this country and you are one of a few in a city or state, you might be incorrectly tied to that debt.
Since it gave you a series of addresses and car models, it was trying to get you to identify one of those so they can confirm you are the one who owns one of those debts because they have no idea that you don’t own one of those debts. Those debts are not tied to anyone, but they’re trying to tie one of them to you.
No, you are not a victim of fraud. Those security questions are trick questions. The correct answer is “none of the above”.
If you got that generic message that a report isn’t available,it probably is because you have no credit history and therefore, no credit report. You can follow the instructions and mail in the required ID to request your credit report, however, if you have never had a credit card or loan in your name, you still won’t get a credit report because there’s nothing in your credit file.
Source(s): BD
First, it always asks those questions. The only thing that varies is the year that it gives, the addresses, and the car models. If you have never bought a house, it will ask about buying a house. If you are not a victim of fraud, it asks the questions that you were asked.
Mail in the identification that was requested.
But everything it has done is what it does if you are not a victim of fraud.
No. This is standard procedure now when you request a free annual credit report. They are double checking to see if you are who you claim to be. They will ask a series of questions with multiply choice answers. Last time I ordered a report one of the questions asked was who my mortgage was with and the answers were a list of three banks A, B C, and I don’t have a mortgage D. Since I don’t have a mortgage the answer to the question was D.
I even have had sources stolen. yet no longer my identity. My spouse is a college instructor. in simple terms as we talk whilst she left for lunch she forgot to fasten her door. whilst she got here returned she observed her wallet became lacking. She lost some funds, financial business enterprise ATM and mastercard. fortuitously she observed as quickly as she got here returned and called the financial business enterprise to cancel the ATM and mastercard. What an attractive international we live in once you may no longer even go away something in an user-friendly college college room.
Do you even have any credit? If you don’t, there is no credit history to bring up.