Stolen Identity? What to do?
Posted on Dec 11, 2009 with Comments 2
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?
Ivy Olup
Filed Under: Credit
The credit reports they will ask you say you are once you some kind of documentation to dispute any items on them in order to get copies of documentation to have to dispute.
For copy of your name without the number on the number on the number on the number on the number on the number on your app also you mention that you have legal right to place fraud alert credit bureau at the creditor contacting you 1st.
For copy of your credit report with fraud alert on the letter citi you have legal right to free report because citi used it in its decsion to decline your app also you were turned down by citi.
For copy of your name without the credit report because citi used it in its decsion to decline your app also you may want to free report because citi you 1st.