Читать книгу Flipping Houses For Dummies - Ralph R. Roberts - Страница 84

When you receive your credit report, inspect it carefully for the following red flags:

 Addresses of places you’ve never lived

 Aliases you’ve never used, which may indicate that someone else is using your social security number or that the credit reporting agency has mixed someone else’s data into yours

 Two or more social security numbers, flagging the possibility that information for someone with the same name has made it into your credit report

 Wrong date of birth (DOB)

 Credit cards you don’t have

 Loans you haven’t taken out

 Records of unpaid bills that you either know you paid or have good reason for not paying

 Records of delinquent payments that you either know you paid on time or have a good excuse for not paying on time

 Inquiries from companies with whom you’ve never done business (when you apply for a loan, the lender typically runs an inquiry on your credit report, and that shows up on the report)

Check your credit report once a year to keep track of your creditworthiness over time and to stay on top of any false information or signs of financial fraud.

An address of a place you’ve never lived or records of accounts, loans, and credit cards you never had may be a sign that somebody has stolen your identity. Yikes! Contact the credit reporting company immediately and request that a fraud alert be placed on your credit report. For tips on protecting yourself against identity theft and recovering from it, check out Identity Theft For Dummies, by Michael J. Arata, Jr. (Wiley).