Quote:
Originally Posted by Mrd00d
Thanks for the assurance, yeah, that's pretty much what I knew about it. I haven't talked to them in 3-4 years. New number, new address. Feeling pretty safe. Yeah, just planning on avoiding them forever.
"If you have negative marks from an unsettled account on your credit report that you're not responsible for, you can contest it and get it taken off."
I never knew that, but I've never looked at my credit report. Maybe I'll keep that in mind.
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It's a good idea to check your credit report at least once a year. In the US, you can get a free credit report annually, from Experian and Equifax. (Or you can do it every 6 months by getting one from one company, and another from the other 6 months later)
Just google free annual credit report. All is done over the net.
Most people probably don't see the point in checking their credit report, especially when they don't have any lines of credit, but that doesn't mean they're invulnerable to identity theft. If you have a social security number and are old enough to get a credit card, you're vulnerable. And checking to make sure you don't have any accounts on your credit report that weren't started by you is how you make sure someone isn't rubbing your good name in the mud and stealing with it.