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You could accomplish this by just never applying for credit of any kind, couldn't you? In this way, these agencies might have a file about somebody with your n
by thepasswordis 6y ago
You could accomplish this by just never applying for credit of any kind, couldn't you? In this way, these agencies might have a file about somebody with your name, but it won't really be relevant to you in any way.
- athms 6y agoAny query with an SSN/ITIN that doesn't exist will create a report for that number. Different names using the same SSN/ITIN are listed as aliases. Credit reports are queried for many reasons, not only loans.
- cheriot 6y agoUntil someone else applies for credit with your identity.
- anyfoo 6y agoPlease tell me that's not actually possible?
- iczero 6y agoIdentity theft!
- magicalhippo 6y agoObligatory https://www.youtube.com/watch?v=CS9ptA3Ya9E https://www.youtube.com/watch?v=CS9ptA3Ya9E
- artificial 6y agoBank fraud. :)
- judge2020 6y agoAssuming someone knows your name, address, and SSN (something which isn't meant to be secret - the SSA even printed 'not for identification' on the cards for a while), they can apply for credit cards in your name as they often require no other form of identification. The U.S. doesn't have a national login system for identity verification or anything so there's not much that could be done here from the security aspect besides creating a federal credit beurau or a federal ID system (or if login.gov allowed third-party companies to use it).
- mint2 6y agoIt is possible and it happens. This what ppl mean when they talk about identity theft.
- ropans808 6y agoThat's kind of what identity theft is, and it is distressingly possible.
- cortesoft 6y agoBut if you never use credit, having your credit hurt by this wouldn’t matter.
- athms 6y agoAnytime you open an account at a financial institution for a savings, checking, or retirement account, they will get a credit report. Employers are increasingly requiring a credit report before handing out job offers. Every landlord is going to require a certain credit score before accepting your application. You don't need worry about your credit if you use cash and store it in a coffee tin, couch surf, and work under the table.
- AlotOfReading 6y agoEven if you never open a line of credit in your life, the contents of that record will still affect your ability to rent apartments, get jobs, and even have utilities in your name.
- teeray 6y agoAlso the lack of records will also impact those things