does anyone here know about credit history?
ok this is a stupid question to some of you but i dont have any knowledge about credit histories because I dont have any credit cards and never applied in any of them. my question is can you have a credit history evethough you never apply for a credit card? I’m a victim of identity theft..unfornately =( I found out that someone was using my social security, not one but two person usin my ss# so i did all the necessary steps called social security agency, ftc and filed police reports however, i tried to call the credit agencies coz they adviced me to call this agencies to put an alert on any credit cards i have…but thing is I dont have any credit cards, i called the equifax anyways to make sure, but everytime i call and after i enter all my infos on the phone because its automated and there is no actual person to talk to…it will always say " we cannot process your request at this time"blah blah… so i was wonderin, does this mean i dont have any credit history at all? help pls!
another question..since I never opened up any credit cards ever…should I worry about the person who stole my social security number oppening up credit cards under my ss#?
I need help please! this is driving me nuts and I’m getting depressed already
=(
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4 comments
Phoenix on March 17, 2010 at 3:55 am
When calling the automated system, if you need to talk to a live person, press 0 then someone will be on the phone. Although the prompt didn’t say that but wait for a second if you don’t put in any info, it will ask you to stay on line and a rep. will help you.
dbc on March 17, 2010 at 3:55 am
You have a credit history just an empty one. You want to make sure you call all of the credit places and have them remove the false credit cards so if you try to get one in the future you will not have a problem.
jeff k on March 17, 2010 at 3:55 am
Well since your identity was stolen, there is a good chance that you have bad credit. Damn the automated phones. If you can’t get through, your bank can help you out.
anything i want on March 17, 2010 at 3:55 am
I’m sorry about your situation, about your credit history i don’t think it was affected by those people since if they only used your number they need names, etc, etc. It’s not that easy to do that kind of stuff, someone should’ve told you that when you called equifax, since if you didn’t do anything to ruin your credit it shouldn’t be affected.
Now the solution: Try to see if you can get a "secured" credit card, what this is, you ca put $500 and then your credit limit will be for $500, after 6 months they will give you that money back to you and extend your credit limit, make sure you pay that bill EVERY MONTH, and (only if you can) pay it in full.
Hope this helps your situation and good luck!