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sasa777

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why is there loans and credit cards on my credit report that aren't mine?

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Check your Credit Report.

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Someone may have stolen your identity and opening accounts in your name. Or there may have been a typ-o and info was entered to your account.  Get your CR's and file disputes on line with each of the CRA's on each account that is not yours.  If that doesn't resolve the issues, you may need to follow up again later, but that should correct any typo's and start investigations into the accounts that aren't yours.  Consider a "Freeze" on your credit reports.  That will stop anyone from opening any accounts.  You would have to lift the freeze when you are looking for new credit lines. then put it back on after your done with your transactions.

Good luck

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