why do credit eports put info on ur report if u are only 18 and u have no knowlege about the accounts?
349577
18 is the age where you become responsible for your debts, and should read agreements before signing or agreeing to accept credit in any form.  Ignorance is no excuse, as far as the law and credit bureaus go.
51876
Freecreditreport.com is only going to give you a free report if you sign up (and pay for) their credit protection services.\n\nGo to annualcreditreport.com as already referred to above. Remember, there are three credit bureaus and you can get a free report each year from each of them. A good idea would be to request a free report from each of them at 4 month intervals (TransUnion today, Experion in April, and so on.) This way you will be monitoring your credit throughout the year and still not having to pay for a credit report.
786381
Not sure how you would do this, but could you do a background check on yourself to see if there is anything there incorrectly?  There are tons of cases of credit reports being flawed.  Isn't it possible that a background could have false information in it?\n\nIf they found something, they certainly should have told you.
485237
Employers can find the same as credit card companies can in a consumer report. They can find all your old addresses, other names you have used, former employers, and what standing your credit is in.
501440
You went to the wrong source.Go to www.annualcreditreport.com  Your credit report from all three reporting agenies is free but your credit score is not.
312321
Not sure if the above is accurate.  I don't think a bank can give out any info without a subpeona, and I can't imagine them going to every single bank.  \n\nMy guess...somewhere, somehow, they got word you had an account there, and they are fishing for it.\n\nMany states now have requirements where the judge can order a financial disclosure from you, telling your bank accounts and property.  You must not be in one of those states.
460724
No one should find this out about u without your consent. Your bank is not authorised to give your info either. U give some one your SS# they can find where u work, but cannot get your account # legally.
476362
You can write to all three of the credit report places yourself.  They have to look into all matters that you report.
11398
A person is not able to place information on payment history on another person's credit report unless they are a business or corporation of some sort.  This is because to be able to report information on a credit report you must subscribe to the credit bureau to be able to do so, and the fee for subscription is costly.  If you are a landlord for a few houses then you are better off evicting the tenants and then placing their unpaid rent to a collection agency.  The collection agency would be able to place the information about the past due rent on the tenants credit report for you, plus attempt to get the money back to you for the unpaid rent.
1014611
All you need is your reports and an internet connection, sometimes a phone.  \nGet your reports annualcredit report.com\nFind innaccuracies/outdated information\ndispute online\nif your report contains accurate negative information, it can still be removed if it is unverifiable.  if you dispute and the company doesnt respond in the alotted time frame the information must be removed.  \nIts just so easy.  theres lots of information on the net.  Id give you my email to help further but im not sure if we can do that or not ;)
384722
Submit that authorization to their bankers and check their credits accordingly. You should be under oath for keeping information as confidential. But you should do it through their bankers only.
853749
That's because of the privacy laws.  You have to have some "interest" in order to pull a credit score or credit report - like you're a landlord or something, doing the credit check for underwriting reasons.  And you aren't going to get it for free, because the companies that compile the information at THEIR cost, do it to sell to others, that's how they make THEIR money.
328114
That stuff is listed in phone book; as long as you didn't give out info like ss#, bank accts., credit cards, you will probably be okay.  If you are that concerned you can call one of the credit bureaus and ask what their policies are on unusal activity regarding your credit.  If you report it ahead of time this may help you with any liabilities in the future.  Good luck.\n\n I hope you didn't give any bank info to this man.  If so, call your bank tomorrow and explain situation.  Cancel acct. and wait to reopen a different one till you call soc sec..  Call soc sec. office and explain what happened and that your # and info may have been compromised. They will probably have a new one issued to you.
368592
ask your family or friends with good credit to add you as an authorized user on his/ her credit account. Mainly someone who has had an account open for at least a couple of years and is in good standing...the same information will show up on your credit report as if you had that account also for a couple of years
922054
Contrary to what most people think, social security numbers are not super-secret information. Collection agencies, lawyers, and others have access to tools that can be used to locate you based on just a name and address, and can get your social security number quite easily. Instead of ignoring them, write a letter to the agency asking for proof of the alleged debt. Under law they have to provide this "validation". If they then provide the proof, you had best pay it unless you dispute the charges, otherwise you can bet it will pop up on your credit report. Even a small $20 collection can be very damaging to you for a full seven years, so my advice would be to just pay it.
750487
If you fell that you gave that information out, you can contact the three credit reporting agency's and add a fraud alert to your file.  With this in place, they will have to make contact with you to verify that you applied for any new credit.
533997
Yes.  This has happened to me.  I am having a problem right now trying to get some stuff removed from my credit report.  The problem is that there are 3 credit bureaus and they do not share information so you have to contact all three - Experian, Equifax, TransUnion.  Use these sites to get free copies of your reports.\nwww.freecreditreport.com\nwww.annualcreditreport.com