Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Cards
Profile Image

Question By
Jsper

1 Contribution
0 People Helped
How do I have a Creit CARD REPORT WHEN i NEVER HAD A CARD
I am a disable person and senior never having a credit card before

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
1 Contribution
0 People Helped

hering from people about credit card I never had I don`t know how to respone to them never meanes never to me.sometimes they are rude I don`t like rude people,when they call me, and will not answer them, I am to old to be bothered.and to sick..

Top Contributor
1231 Contributions
1729 People Helped

No different than any other person without credit, starting with secured credit card(s), secured loan, or being on someone else credit card as authorized user.

Top Contributor

Reply by
JohnnyRain127

1231 Contributions
1729 People Helped

Yeah  I read the post wrong...However, simply disputing it won't necessarily solve the problem. You might have ID Theft issue, you need get to the root of the issue, need to contact the original issuer, have them start an investigation, possibly file a police report, get a affidavit from FTC, with the last two? You can request Credit Bureaus to freeze/unfreeze your credit report without cost, so no new credit can be issued. 

-

Sure dispute might (which is iffy at best) get it removed but the debt/account is still yours, as it was opened with your informations, there is no way to distinguish in the automated system between you open it or someone else open it with your informations, if there were? That account wouldn't be opened in the first place and it certainly won't appear on your credit reports now.

Top Contributor
7816 Contributions
1456 People Helped

If you see accounts on your credit reports that are not yours then you need to dispute the accounts with the credit bureau(s) listing them. Transunion, Equifax and Experian all have websites with instructions on how to do this.

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.