I just discovered that someone has a mortgage under my name, what do I do now?

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I tried an online bank account and one security issues has been open about my so-called opening of a “mortgage” years ago, I never did. I’ve never owned a house. I asked my credit report with 3 offices, but I do not know what else to do. I’m really excited because I now do not open a bank account, there was something I could do? I’m sorry I can not clear yet, said something first questions like, “Company, the mortgage that you have a loan for an opening date and so” to which I responded to any of these responses. second question was: “How much do you pay for a mortgage” I answered none of the above. The others were like my card has been issued and that is my country of origin, etc. So I know I did not get it wrong, but when I clicked on “Apply”, they said that they could not handle app. because my answers did not correspond to my report.

  1. Reply
    May 16, 2011 at 3:24 am

    In my experience, that’s typical of those kind of security questions. They usually ask you three questions, and usually at least one of them does not apply to you. That’s one of the ways they screen out false applicants — if the person answering the questions said “Yes, I did have a mortgage a few years ago” they would know it wasn’t really you.

    Have you checked with the bank and asked them about this?

  2. Reply
    May 16, 2011 at 4:16 am

    You can get your credit reports for free and online (once per year) at annualcreditreport.com. If the mortgage is actually there, file a police report. Then contact the bank that issued the mortgage.

  3. Reply
    May 16, 2011 at 5:02 am

    does your credit report show a mortgage loan on it? if not then log back on and you will probably get another question. If it does show a mortgage note then verify it with the company as to it being with your social. If it is then that needs to be reported to the police. If it isn’t then you have a merged report with one in the same name. Just think of it how many George Jones do you think are out there. Some times your name is just like or similar to another and maybe the middle name is different and it is all clerical
    I see this from time to time
    I am a mortgage banker in TN & KY

  4. Reply
    May 16, 2011 at 5:48 am

    you said you had the copy of your credit bureaus, do they show a mortgage. It is most likely a security thing that was trying to weed out false applicants trying to access your information. Just chose don’t have a mortgage or n/a something to that affect. if the bureaus show a mortgage dispute the loan with the credit bureau, they have 30 days to validate the loan to you or take it off the report.

  5. Reply
    Boomie .
    May 16, 2011 at 6:32 am

    You took the first step: request your credit report.

    Now is there trace of that mortgage loan application 3 yrs ago? If so, call the financial institution where the application originated from and tell them that they have filed the wrong person. Ask them to investigate on this because your credit report mentions a mortgage loan from their institution which you did not apply for. Have them correct that information because it is not you.

    So it is possible that they filed the loan to the wrong person, you in this case. But you are allowed to ask them to remove the information because it obviously does not belong to you or correspond to you!

    In the event that you do NOT see the loan application, you may want to contact a representative of the bank you want to open an account with and ask them questions as to how they got this information. You may want to explain to them that you are not aware of holding a mortgage loan and that you are in the process of having it removed.

    After re-reading your question, I am wondering the following. When you tried to open a bank account online, when prompted the question about the mortgage loan that you do not have, is there a multiple choice with N/A or “I don’t have one”? Do you already have an account with that bank or are you a new client? If you are an existing client, a rep should be able to assist you with opening another bank account. If you are a new client, then verify with your report as suggested above.

    It might also be just a security question to identify you. It’s a tricky question like they will ask you about something you never had. And if you know that you never had, then they know they are talking to the right person! 🙂

    If you are still unsure, call the credit bureau. They will be able to help for sure. This happens every day! That’s why we are allowed access to our credit report!

    It’s only an excellent thing that you take matters into hands!


  6. Reply
    lisa s
    May 16, 2011 at 7:31 am

    This happened to me too
    I honestly don’t think that anyone has a mortgage in your name.
    I agree with the poster above, those are ‘trick’ questions to verify it is you.
    I of course panicked only to find out that everything was fine….

    Of all of the things to get in someones name, I would think that a mortgage would be the least likely since it would not be very hard to FIND the person since he would probably be inside of the house.
    Unlike a stolen credit card, a person can ditch the evidence rather quickly
    legit people are having huge problems unloading houses these days

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