I want to check my credit score, but I'm under 18.

Question

Is there any way for me to do this? I'm 15 and very curious. Plz don't tell me to wait until my 18th birthday because I think my mother has been putting things in me and my younger brothers name. She did this to my older sister and she constantly does it to my father and if she's still doing it I want to confront her asap and do something about it! >=[

If there is anyway to check this, please do tell me!

Thanks,

~Bri

Answer 1

No, and I suggest you report your parents for identity fraud.

Answer 2

At fifteen you wont have a credit score, but if you suspect that your mother is using your name, confront her and let her know that you will report her for fraud.

Answer 3

creditrepairuniverse.net

repair and/or build your credit

Ok, normaly a credit file is created when you ask for a line of credit with your

name, social,address, date of birth and sometimes if required a job info. It is illegal for anyone to open a credit file before 18yrs if the information is all correct.

If she did put things on your name you could pull up your credit file under that info (fake info) but if she didnt and you try to pull it up your social security could be red flagged and cause you problems.

there are three ways to handle this, you can write a letter to the credit bureau stating your situation which can land everyone involved in jail or you could wait until your 18 and simply notify the credit bureau it is not yours and simply send a copy of your ids and birth certificate and everything done when you were under 18 will be erased.

three sit down and try to talk to your mother, like an adult.

Answer 4

If you think you've become a victim of identity theft or fraud, act immediately to minimize the damage to your personal funds and financial accounts, as well as your reputation. Here's a list -- based in part on a checklist prepared by the California Public Interest Research Group (CalPIRG) and the Privacy Rights Clearinghouse -- of some actions that you should take right away:

   1. Contact the Federal Trade Commission (FTC) to report the situation, whether Online,

   2. By telephone toll-free at 1-877-ID THEFT (877-438-4338) or TDD at 202-326-2502, or

   3. By mail to Consumer Response Center, FTC, 600 Pennsylvania Avenue, N.W., Washington, DC 20580.

Under the Identity Theft and Assumption Deterrence Act , the Federal Trade Commission is responsible for receiving and processing complaints from people who believe they may be victims of identity theft, providing informational materials to those people, and referring those complaints to appropriate entities, including the major credit reporting agencies and law enforcement agencies. For further information, please check the FTC's identity theft Web pages . You can also call your local office of the FBI or the U.S. Secret Service to report crimes relating to identity theft and fraud.

You may also need to contact other agencies for other types of identity theft:

   1. Your local office of the Postal Inspection Service if you suspect that an identity thief has submitted a change-of-address form with the Post Office to redirect your mail, or has used the mail to commit frauds involving your identity;

   2. The Social Security Administration if you suspect that your Social Security number is being fraudulently used (call 800-269-0271 to report the fraud);

   3. The Internal Revenue Service if you suspect the improper use of identification information in connection with tax violations (call 1-800-829-0433 to report the violations).