i have never checked my credit report until now..it says i opened a mortage loan….?

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Your credit file indicates you may have a mortgage loan, opened in or around November 2004. Who is the credit provider for this account? Does this mean someone has been stealing my identity and using my ss number?

11 Comments
  1. Reply
    Linda R
    May 14, 2011 at 3:04 am

    It sure sounds like it……….. you’re very lucky they didn’t do more.

  2. Reply
    Michael No.1Million
    May 14, 2011 at 3:17 am

    well if you know you dont have amortagege and your credit file says you do , then someone has.

  3. Reply
    MetalGearJ
    May 14, 2011 at 4:03 am

    if you’ve never taken out a loan before or own a house, then yea, I’d say you have been cheated! I’d do more research on when and who authorized it and then look up who can help you with stopping the loan and prosecuting the one that did it.

  4. Reply
    Jimmy Isaac Neutron
    May 14, 2011 at 4:36 am

    If you can find out where the mortgage load was opened,
    Talk to that particular bank or credit union.

    Also, Seriously Consider Talking To Your Bank About This Information.

    Hope you get things straighten out soon. =-]

  5. Reply
    Sgt Big Red
    May 14, 2011 at 4:42 am

    If you used an online agency then that is a test question to verify that you are who you say you are.

    They will ask questions that only you would know the answer to and some times they ask a bogus question so you answer ( ) None of the above

    It does not mean someone stole your identity and bought a house.
    HOWEVER: If you did not get a copy of your credit report, contact any one of the three CRA’s and send a written request for your credit report to make sure no one has used your information to obtain a mortgage. I doubt anyone did as you must provide documented proof of your identity when the purchase and sales agreement is signed (drivers license, or other picture ID)

    To get the mortgage one must also provide proof of income (tax returns) and bank statements as well as once again show picture ID at time of application.

    Stolen identity is used more for credit card accounts or online purchases. Hardly to buy a house.

    Hope this helps answer your question.

  6. Reply
    markdowling5000
    May 14, 2011 at 5:09 am

    First, contact Experian or one of the other major credit companies to repstrategyssible fraud. It is free. They used to send a free credit report upon a fraud alert.

    I have had experience with the same issue. It is your responsibility to correct the situation. No one else will do it for you. In my case, it was simply a bank error in reporting. Your first step, in any case, is to contact the lender. If the account is closed or the lender made an error, they will send you a letter. They will also contact the credit companies. Your biggest job will be to follow up until the problem is resolved. I

    There are three major companies that provide credit reports. Each of the credit reports has the name of the lender, address of the lender, and the account number, as well as the credit history regarding the account. You will need to locate the phone number of the lender. I suggest that you contact the lender first thing this morning. If you do not have a complete credit report with the lender’s name and account number, then contact one of the three major credit report companies. I have included the names and web addresses below:

    http://www.experian.com

    http://www.equifax.com

    http://www.transunion.com

  7. Reply
    jlf
    May 14, 2011 at 5:24 am

    Are you looking at your actual credit report or are you just talking about the “security questions” that are asked for the on-line report access?

  8. Reply
    C R
    May 14, 2011 at 5:54 am

    I assume you are using are referring to the security questions they ask when you verify your credit report. This is just a question they ask. If you didn’t just say no. Saying yes will be the wrong answer and you won’t be able to verify your identity.

  9. Reply
    travelmaster
    May 14, 2011 at 6:25 am

    i thhink its only a test question have you see your report before
    you encounter this question or afterword
    if before you havent see your credit report its only a test question

  10. Reply
    bdancer222
    May 14, 2011 at 7:18 am

    No it is not ID theft. It is a security question to prove that you are who you claim. If you’ve never had a mortgage, the correct answer would be “none of the above”.

    • Reply
      rayray
      May 16, 2013 at 4:08 pm

      Are you sure?

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