I’m 15 so I shouldnt have any credit at all right? well my parents are divorced, but one day i seen that he had my brothers, mine, and my moms social security numbers written down in his wallet and he has bill collectors after him now and he’s been known to get magazines, and other things in someone elses name. He’s a really secretive person and would get offended if i asked him. But one day he told me that he had a credit card waiting for me ( “with my name and everything” ) when i wanted it. I know he gets a million different credit cards and runs them all up and doesnt pay them but i’m afraid he might be ruining my credit before i’m even old enough to have it. so is there an internet site that i can go to, to give me a free credit report without having to sign up for monitoring or anything that will cost any money in any way shape or form?
Related posts:
4 responses so far ↓
1 bdancer222 // Aug 7, 2008
Go to AnnualCreditReport.com. You can access your free credit reports online for all three credit bureaus.
If you do have things show up, get your mother to help you dispute the items with the credit bureau and contact all the creditors. This is ID theft. It may be your father, but if he is using your social security number and ruining your credit, he deserves to be punished.
It would probably be a good idea for your mother to put freezes on you and your brothers credit files to prevent any further damage.
2 Texas Guy // Aug 7, 2008
You need to get an adult that you trust to help you with this if you do not feel safe talking to him. Your mother, grandparent, pastor, school counselor, etc. If he is using your info and has taken out a credit card in your name, that is identity theft.
You can get free credit report info once a year at the site below.
You can get help from the people at Zander Insurance. They have the best Identity Theft Protection insurance out there. I’m sure they could give you some info and help you out.
Good luck.
3 ms.righteous // Aug 7, 2008
i’m so sorry to hear this.
but the two answers above are all good. you need to handle this with an adult you trust. make sure you tell them that you’re only suspecting this and haven’t proved it yet… but all evidence points to the worst. sorry. act fast!!
4 FRANK Mortgage Broker // Aug 7, 2008
Get your free credit report here:
https://www.annualcreditreport.com
Youn can get credit report once a year, for free. Tjhey will offer you beiong able to get credit score, etc., for a charge. All you need to do is to delcine the extras, and the report is free.
Leave a Comment