I recently have went online to check my credit history through 3 different credit companies and also apply for credit cards. 2 of the credit checking agencies asked "For security please answer the following questions: It appears you have recently opened a MORTGAGE LOAN. Please tell us the amount and who the loan was made with". Well I HAVE *NOT* opened any sort of mortgage loan. No loan AT ALL a matter of fact. So I answer "None" and it always REJECTS me saying the information doesn't match what they have on record. If they don't ask those questions, then I get approved for a credit card and/or can check my credit history. Does this mean that someone has possibly opened a mortgage loan under my name and social security info? How do I find out for sure or not, and if they have done so, how do I get them caught?
Call the local credit bureau listed in the phone book and talk to a person.
Sometimes they will ask that question to see if it really IS you. YOU know if you opened an account taking out a mortgaage loan. since you are putting in "none" and its still rejecting it, I would suggest calling the credit companies (the 3 major ones) and asking questions. You can also go to like a bank or mortage company and run your credit through them and get a copy of your report. That way you have it on paper and are looking at the information. From there you can call the company it says you have the loan with, or if there is even a loan open.
Good luck.
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