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Posted in Mortgage
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Ocotober

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0 People Helped
my info was stolen.. if someone used my info, would i see the account on my credit karma account?
like if someone opened a credit account or is trying to obtain a mortgage in my name... i know the second seems silly but i received a phone call from a bank about a mortgage and like i said my info was stolen... thank you for your time... and thank the lord for your financial life saving buisness..

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You need to keep an eye on all three credit reports for any mysterious changes. Transunion, Equifax and Experian are the three credit bureaus. You might consider additional credit or identity monitoring or placing a freeze on your credit with all three credit bureaus. As to what extent you need to go depends on what info you had stolen. You didn't say what was stolen.

Top Contributor
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CreditKarma pulls information directly from your Transunion and Equifax credit reports.  Any new account information from those two agencies should eventually appear here as soon as your credit report is updated from any lender/creditor.  Bear in mind, this is usually 30-90 days after the credit was applied for and/or utilized, so it is not a perfect system.  Also, the Experian credit information is not reflected on CreditKarma, although there is another website that supplies part of this information (credit . com)

The thing to watch for is the credit inquiries.   If a new inquiry appears with a lender you do not recognize or from somewhere you are not (such as a car dealership in Idaho) then you may have a problem.  

You may try and put a credit freeze on your credit if you are not anticipating using it any time in the immediate future.  This is relatively inexpensive and helps protect you from someone applying for credit under your name/infomation.  To find out how to do this, go to the FTC's website on the subject (https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs) which will give you more information.  It isn't free, but it does provide a relatively cheap way to help cover you.

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