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Started By
Message
Check your credit reports for errors
Posted on 11/2/17 at 9:31 am
Posted on 11/2/17 at 9:31 am
Those wonderful Equifax folks, you know, the credit reporting company that let everyone's personal information get hacked? Yeah.... those guys.
I finally got around to ordering up a credit report. Hadn't needed to in many years. Found this on my record. Didn't recognize it. But there it was.
Someone had used my credit history, my social security, etc.. and secured a loan for $181,257. At least they've been making regular payments.
So now the fraud people are involved and investigating what/who this is. Once they have the information, I'm to file a police report later this morning. I've already contacted all three credit reporting bureaus and flagged my account. Am I missing something else I should do to secure my credit and personal information?
I finally got around to ordering up a credit report. Hadn't needed to in many years. Found this on my record. Didn't recognize it. But there it was.
Someone had used my credit history, my social security, etc.. and secured a loan for $181,257. At least they've been making regular payments.
So now the fraud people are involved and investigating what/who this is. Once they have the information, I'm to file a police report later this morning. I've already contacted all three credit reporting bureaus and flagged my account. Am I missing something else I should do to secure my credit and personal information?
15
Posted on 11/2/17 at 9:32 am to HubbaBubba
quote:
Someone had used my credit history, my social security, etc.. and secured a loan for $181,257
Thanks for handling my student loan debt, bro.
Posted on 11/2/17 at 9:33 am to HubbaBubba
Signup for creditkarma. You'll see changes on a weekly basis.
Posted on 11/2/17 at 9:35 am to HubbaBubba
Posted on 11/2/17 at 9:36 am to HubbaBubba
quote:
I finally got around to ordering up a credit report. Hadn't needed to in many years.
Breh...
Something wrong with your money game if you don't check your credit report every month.
All major credit card companies offer a free credit report now. You could also do something like CreditKarma if you don't have another way to get a free report.
This post was edited on 11/2/17 at 9:36 am
Posted on 11/2/17 at 9:36 am to HubbaBubba
You should thank them for boosting your credit score by making 2 years of on-time payments.
And congratulations on the new house that you just found out you own.
And congratulations on the new house that you just found out you own.
Posted on 11/2/17 at 9:37 am to Red5LSU
quote:That's essentially what I've done. They are all flagged now. Any attempt at obtaining credit, the bureau's have to call me directly to verify.
Freeze your credit accounts
Posted on 11/2/17 at 9:38 am to HubbaBubba
Seems like this is more of clerical error that the loan is being reported on your credit report, why in the world would they be paying the loan if it was fraud?
Posted on 11/2/17 at 9:38 am to Tiger Prawn
If married, your wife has a secret family you didn't know about.
Posted on 11/2/17 at 9:39 am to Pecker
quote:I've checked my credit score. It's solid at 836, so this hasn't negatively affected me. It's why I hadn't checked the credit reports.
Something wrong with your money game if you don't check your credit report every month.
Posted on 11/2/17 at 9:39 am to HubbaBubba
I'm not always as diligent about it as I should be, but I try to pull a free version from annualcreditreport.com every four months to make sure everything is in order. Very fortunate for you that they're paying it and you caught it before they decided to stop.
Posted on 11/2/17 at 9:41 am to Tiger Prawn
quote:
And congratulations on the new house that you just found out you own.
I never thought of it that way before. I wonder if OP can sue this person for whatever equity they have in "his" house now, then turn around and sell it.
Posted on 11/2/17 at 9:41 am to Pecker
quote:Something wrong with your money game when you confuse credit reports with credit scores...
Something wrong with your money game if you don't check your credit report every month.
All major credit card companies offer a free credit report now.
Posted on 11/2/17 at 9:42 am to LSUDAN1
quote:
If married, your wife has a secret family you didn't know about.
At least someone else has to listen to her nagging then
Posted on 11/2/17 at 9:42 am to TDsngumbo
quote:Fook Mi. Didn't even think about the ramifications of real property being in my name, too.
I never thought of it that way before. I wonder if OP can sue this person for whatever equity they have in "his" house now, then turn around and sell it.
Posted on 11/2/17 at 9:45 am to Breesus
quote:
Thanks for handling my student loan debt, bro.
You're welcome, arse-munch.Posted on 11/2/17 at 9:47 am to ell_13
quote:
Something wrong with your money game when you confuse credit reports with credit scores...
Did I say anything about credit scores?
Posted on 11/2/17 at 9:50 am to Pecker
Thanks. I'm sure my CFO and accountants can manage.
Posted on 11/2/17 at 9:50 am to TDsngumbo
quote:
I never thought of it that way before. I wonder if OP can sue this person for whatever equity they have in "his" house now, then turn around and sell it.
Nah. Just keep the equity and start charging them $1400-1500 a month in rent. Profit while building more equity
This post was edited on 11/2/17 at 9:51 am
Posted on 11/2/17 at 9:51 am to HubbaBubba
who can I use to do this? I've never ordered a credit report
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