Posted on: 07th Jun, 2012 01:26 pm
I was checking my credit score because i was denied for a VS ANGEL CC, And while going threw the process of verifying my idenity ! it asked me which morgae company did i use for a loan in 2010! and than listed them below so i picked NONE OF THE ABOVE! and than it said it couldnt verify my identidy! So i finally went to another site and had my credit report done but it doesnt show! Is this because its been two years and the person i done paying or what! I cant find a site that will let me look for a loan online! HELPPP.
Welcome Crystal,
I think you are facing identity theft. In order to deal with this matter, check out the given page:
http://www.ftc.gov/bcp/edu/microsites/idtheft//consumers/about-identity-theft.html
I think you are facing identity theft. In order to deal with this matter, check out the given page:
http://www.ftc.gov/bcp/edu/microsites/idtheft//consumers/about-identity-theft.html
Hi Crystal, a mortgage would be reporting on your credit report if you think your ID was compromised. There is annualcreditreport .com which you can pull your credit for free from each bureau. You will then see if you have anything on your credit that is not yours. Once you know that you have been a victim, then you can contact all the agencies to help you with the matter. Good Luck
This is a probable case of identity theft. Follow the steps listed below to immediately address the issue.
• Report to the credit bureaus and to your bank your case of identity theft.
• Immediately grab a copy of your credit report which will help you to easier check the unauthorized loans and purchases made under your name.
• Once you have identified the unidentified purchases and loans, contact the companies where the purchases and loans were from and enlighten them with the situation. This way, they can immediately cancel the loan and prevent you from further damaging your credit rating.
• Gather proof of documents that serve helpful in the situation. Once they have verified that you have become victim of identity theft, credit agencies will contact the lenders on your behalf where the unauthorized purchases and loans have been made.
• Report to the credit bureaus and to your bank your case of identity theft.
• Immediately grab a copy of your credit report which will help you to easier check the unauthorized loans and purchases made under your name.
• Once you have identified the unidentified purchases and loans, contact the companies where the purchases and loans were from and enlighten them with the situation. This way, they can immediately cancel the loan and prevent you from further damaging your credit rating.
• Gather proof of documents that serve helpful in the situation. Once they have verified that you have become victim of identity theft, credit agencies will contact the lenders on your behalf where the unauthorized purchases and loans have been made.
Thank you for sharing this information, amyk!!:)