I’m afraid that my parents have for many years been using my social to take out credit cards, etc. How can you find out without them knowing? I recently had a credit report printed and it didn’t show any kind of suspicious activity. My credit score was 661, and this is because I have no credit, and have only taken out one card in my lifetime, that was turned over to collections and I paid it off. So how can I really find out what all has been taken out in my name, and if so what actions can I take to correct the problem.
5 Comments Already
April 17th, 2010 @9:54 pm
Anything that has been taken out in your name and social security# would be showing on your credit report whether it was good or bad. If there has been any activity on it.
April 17th, 2010 @10:48 pm
Are you a paranoid freak? If there’s nothing on your credit report, they haven’t done anything.
April 17th, 2010 @11:16 pm
Go back thru free annual credit report.com if it will allow u to and follow the links given u, if there is any credit cards of anykind on there, it should tell u everything in your credit, request a report from all 3 credit agencies, hope this helps.
April 17th, 2010 @11:59 pm
Simple. Pull your credit report from the three major credit reporting agencies.
If there is any activity before you were 18 years old, protest it.
Do not use http://www.freecreditreport.com. It isn’t free.
Use http://www.annualcreditreport.com, it is the official site for your free annual credit report.
Everything is online and your parents never have to know.
The only problem you might have is security questions. They may ask you about your credit history. Since your parents opened the accounts, you might not be able to answer the questions. If that is the case, you will have to call the reporting agencies.
–>Adam
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I would defiantly go to
http://www.freecreditreport.com and see if there’s any foul play if so report it and try to get it off your record