Parents using social security number for personal finances?
I was recently exercising my FACT options and trying access my free annual credity report, when trying to access the EQUIFAX report, it popped up stating that in July of 2003 I had applied for a mortgage loan.
Weird. Mainly because, in July of 2003 I was SEVENTEEN. And living in my parents’ house, going to High school, all that good stuff. After some research, I discovered that my parents can be the only possible people who would be able to have enough information, and use said information, to do something like that.
So mainly my question(s) is; is that possible? Is it possible for a parent to use a child’s information under the age of 18 to access things like that? Granted, I turned 18 in November of 2003, but I was 17 in July, if I don’t remember anything about that year, um MY AGE would definitely be something I can clearly recall.
Secondly, what do I do about this? I wasn’t even able to access my report because I simply clicked “I don’t know/does not apply to me” for all of the questions regarding the loan, as that was the truth. I have no clue. So, I don’t even know if this loan was approved, paid off or not, how much, or how deep this even goes. I’m 22 now, trying to get back into school (I took some time off to get away from my family and get my self back on track, financially speaking), and have had extremely minimal contact with my family in years. For all I know, they could be living it up on my credit :/ What do I do? Any help will be very much appreciated. Thanks so much.
Edit: I just saw this in an answer, so I thought I’d add. I had no bank account or anything at the institution that my parents banked at, so paperwork mishaps wouldn’t have really been possible. Also, I did some more research, and discovered that a parent or guardian is the *only* person who would be able to use a minor’s personal information to do things such as open bank accounts in their name, apply for things against credit, anything of the sort. So from here I just need to figure out what my options are. Keep in mind that me and my parents aren’t close people, and I haven’t had much contact with them in years. All of these answers are great, thanks so much!