Please Help me i cant see my CREDIT? IM 18?

Deal Score0

Hey im 18 and i leave for basic for the Army soon. I never had a credit card or a car. and i live at home for now.

And im trying to check my credit for the first time ever. (so i probably have no Credit) But when i put in my information it says “You may have had a mortgage loan in july 2005”. Im scared cause my dad been to prison before for writing checks. And we use to be homeless and i remember we had a house for a day and i remember we got caught kicked out the next day cause the check didnt go through.

Could my dad use my credit when i was little. It was in 2005. Is that possible? When i go further to check my credit it says

We’re sorry, for your protection we are unable to deliver your FACT Act Equifax Free Annual Credit Report on the internet. There are a number of reasons that we may be unable to fulfill your request online. You may have a Security Freeze on your credit file, an Active Duty Military or Fraud Alert, or the identification information submitted online may not match the information on file.

Im in the military so could that be it??? Or is it cause the mortage loan? Or is it cause i have no credit????

4 Comments
  1. Reply
    Iffy
    May 17, 2011 at 2:56 am

    If you had bad credit the ARMY would NOT have accepted you. Call Equifax and talk to them. Also explain how old you are and were in 2005 . Relax and good luck Thank you for stepping up

  2. Reply
    rtfm
    May 17, 2011 at 3:07 am

    Those security questions are just to make sure you’re really you. Some of them have “NO” as the correct answer. If it asks if you had a mortgage in 2005 and you checked “YES” then the system would know you’re an impostor.

    If you continue reading, the message you got says that they cannot give you your free credit report on line … but you can send them a request via MAIL and they will MAIL your report back to you.

    Do that. And stop worrying.

  3. Reply
    bdancer222
    May 17, 2011 at 3:15 am

    If you have never had a loan or credit card, you have no credit history or credit report. Your score is 0.

    Those security questions often include trick questions. If you look, one of the responses will be “none of the above”. It ain’t ID theft.

  4. Reply
    Esquire
    May 17, 2011 at 4:14 am

    They are right. The questions are just security questions to verify your identity. If you answer the questions honestly and correctly then it will show your credit report. However, as you mentioned you have never done anything on credit before. Therefore, all you’re credit report and score will say is too new to rate.

    If you’re still unable to access your credit report just call them. They will ask he you some security questions and then go from there.

    Esquire

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