On the last part, I'd caution you to look into that. I had a name that wasn't mine on my credit report and soon other things started appearing on my report tha

On the last part, I'd caution you to look into that. I had a name that wasn't mine on my credit report and soon other things started appearing on my report that weren't my accounts. A lot of companies that report to the credit agencies just report the last four of your SSN and name. I started getting calls for someone that wasn't me from collections agencies.