I received an email from Lyndene suggesting that i check Dave's credit report. We know that there was no activity on Dave's SS number between 1980-1993 . We have no idea after that so it is sound advice. I Googled "credit report on someone else". It turns out that you need permission from the person to get their credit report. That sounds reasonable that someone should get my permission to access my credit report however its different when the shoe is on the other foot.
Don't try this at home but i went on Credit Karma and requested "my" credit report. I entered Dave's name and social security number and it asked for an address and phone number. I used an address of vacant house near my business and my cell number. I hit enter an i got an error.
Then i entered my name and SS number and used the same vacant address and my cell number and hit enter. Then it came back with a question "it looks like you recently refinanced you house with
a: BAF mortgage
b: ABC financial
c: ECT mortgage
d: Last Laugh Holding Co
e :none of the above.
I'm not as sharp as I use to be. At first i thought someone else had taken out a loan on my house but then I realized it was a trick question to verify identity. I answered E and then it gave me my credit report. My assumption is that there not enough data on Dave to generate a identity verification question. If any knows more about credit reports please respond.
Thanks
Don't try this at home but i went on Credit Karma and requested "my" credit report. I entered Dave's name and social security number and it asked for an address and phone number. I used an address of vacant house near my business and my cell number. I hit enter an i got an error.
Then i entered my name and SS number and used the same vacant address and my cell number and hit enter. Then it came back with a question "it looks like you recently refinanced you house with
a: BAF mortgage
b: ABC financial
c: ECT mortgage
d: Last Laugh Holding Co
e :none of the above.
I'm not as sharp as I use to be. At first i thought someone else had taken out a loan on my house but then I realized it was a trick question to verify identity. I answered E and then it gave me my credit report. My assumption is that there not enough data on Dave to generate a identity verification question. If any knows more about credit reports please respond.
Thanks
