Im 18 Years old just found out that somebody got a loan/mortage loan in my name in 2007?
2010-03-08 at 09:01 pm adminand it's stopping me from opening a bank account and applying for cedit cards how do i clear my name? Help 10 pt.
Answer:Have you pulled your credit reports? Start there.
Answer:First, get a copy of your credit report (AnnualCreditReport.com) and dispute any item that is not yours. This could be a reporting error. Typically mortgages require all sorts of documentation making ID theft difficult.
If the credit bureau verifies the loan, then send a certified, return receipt letter to the lender requesting documentation proving the loan is yours. Indicate that you suspect an error or ID theft. Then you can start making police reports on ID theft and start looking at your relatives.
Be prepared to send a relative to jail. If you are not willing to file charges, you will have to live with the bad credit.
Answer:FYI…before you start calling the police and file ID theft charges: A very high percentage of identity theft involving minors is perpetrated by their relatives…This could be a real mess for you. Start you own investigation first…Pull your credit report and find the name of the mortgage company.
annualcreditreport.com is the real free site to check your credit file for free once a year without a credit card.
https://www.annualcreditreport.com/ – NOT freecreditreport.com -
Get the address of the home for the mortgage under your name…if you recognize the address as belonging to a friend/relative…then you have a real problem and you have a tough decision to make about filing criminal charges.
If you don't recognize the address/people, go to the police and file ID theft charges.
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Answer:Contact the institution that made the loan and see if this is a case of identity theft. I hope whoever did this is not a relative of yours. That would be very sad.
Answer:Talk to the local police, they'll help you or tell you where to go for help. This will take a while to fix. You have a bad case of identity theft.
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