Stolen Identity? What to do?
I am a college student of age 18. I recently applied for a Citi credit card but it was rejected saying (in email)
o A garnishment, attachment, foreclosure, collection
action or judgment was recorded on your credit bureau
report.
o A delinquent credit obligation(s), either paid
or unpaid, was recorded on your credit bureau report.
They got the report from Equifax credit information service.
This confuses me for I have never once owned a credit card nor have I had to pay bills or anything of the sort that I would/could be late for.
Stolen Identity?
So I went to annualcreditreport and tried geting my report from all 3 credit bureaus
Experian says We’re sorry. We experienced a system problem and we are unable to provide your personal credit report for online viewing at this time. You may want to try again later.
Transunion has me on a page that says your order is being processed come back in 30 min (its been 6 hours).
With Equifax I get to a page that says this.
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.The following link will lead you to a form that is not screen-readable at this time.
What do you think? What should I do?
One last thing, On the bottom of the Equifax report it says NOTE: If you have a Security Freeze on your file, you must include your 10 digit PIN along with the information requested above. Where can I find my 10 digit pin and what exactly is it?
Leroy
April 24th, 2010 at 8:25 am
Jean
You’re going to have to call the credit bureaus and speak to them in order to get access to your credit reports. They will ask you some questions to verify your identity, and/or they might ask you to send in some kind of documentation to prove that you are who you say you are.
Once you get copies of your credit reports, you’ll need to dispute any items on them that do not belong to you.
April 24th, 2010 at 1:08 pm
Lloyd
Call the credit bureau at the number on the letter Citi sent you. Ask them for a copy of your credit report and make sure you mention that you were turned down by Citi (you have a legal right to a free report because Citi used it in it’s decsion to decline your app). Also, you may want to place a fraud alert on your credit report. With a fraud alert, credit can not be opened in your name without the creditor contacting you 1st.