18 yr old need credit questions answered?

Question

I'm 18 i live with my mom.a few days ago i applied for 2 or 3 student credit cards and one new millenium bank card (which i read online is kinda sketchy) and bad the college cards said they were unable to approve me at the time and they would send me a letter or it said we are processing your application( i think they would not approve me because i am going to community college)...i have never had anything in my name but i want to purchase an apartment so i just want to check my credit report just to see what is on it,when they tell me to put in my info i just put my SS and the adress i live at with my mom, my name and all that stuff,when i check it transunion they said they could not find enough information to verify my identity and equifax and experian asked me these weird questions like "it says you might've had a mortgage in 2006" or"you might've tried to get a car in 1999" it gives you the option to check no, or not apply which is what i did , weird questions like that and i didn't get a report from them either...idk this is all confusing i should have no credit at all which is good for me...i just need to know because as far as i know i have no credit ...i just turned 18...maybe i am being paranoid about this whole thing...i just want the apartment and they said if i have no credit then it's fine for me to move in i just want to make sure my credits fine...does it have to do with the fact that the adress is not in my name...or that nothing is in my name...my name and social security are like the only things that are mine.....someone help!!!!

Answer 1

It's easy to ruin your financial future if your applying for that many credit cards at 18.  Try getting 1-max, and read Dave Ramsey's "total money makeover", suzy orman's book, and tightwad gazette.

Answer 2

The weird questions are a security feature.  The correct answer would be no or none of the above.  People often think this means a mortgage or something is showing on their credit file and fear ID theft.

It is likely that you have nothing in your credit file.  You might have to send the require copies of your ID to the individual credit bureaus to get a copy of our credit report.

Also, it is a very bad idea to apply for so many credit card accounts all at once.  This takes a big bite out of your score.  

Answer 3

it sounds like you dont have any credit you should be fine.