The fact you don't know about it doesn't mean it doesn't happen. I have to laugh a little at the naivete of thinking that a credit reporting company shows you

The fact you don't know about it doesn't mean it doesn't happen. I have to laugh a little at the naivete of thinking that a credit reporting company shows you everything they know about you on a credit report. They don't even show you everything they show loan companies who pull your report.