Ss# ID nicking? A person with similar mark perchased a house with my social security

A person with similar mark perchased a house with my social security #. Later i found through on my credit report,a mortgage broker made credit report minus my permision nor i don`t even know who that mortgage broker is. I contacted the mortgage broker but,they denied that they never made credit check on my ss#. Please answer on this situation!

Answers: You would know if someone bought a home using your identity.you would have a home loan showing on your report. Do you see a $200,000, $300,000 or more mortgage showing up that you don't recall applying for and paying on? Then you probably don't own a house in your name somewhere.

What it sounds approaching you have, is an inquiry processed by a mortgage company or underwriter. If this is a "hard inquiry" (also call regular inquiries), it will show up under this category. This means that written or explicit singing permission was given for the creditor to verbs your file. This will stay on your report for 2 years, but will only affect your ranking for 12 months from the date.

If it's listed as an "account review" inquiry, these are typical of lenders looking to extend you credit minus your permission to look at your personal credit file, and no sensitive information be shared with them. This also DOES NOT affect your score, and will stay on your report for 2 years.

I outstandingly doubt you have a mortgage in your term...if you did, the mortgage lender would have told you on the phone.

This is simple. They probably they didn't purchase a house with your SSN. The bureau only put it on the wrong file. Send a dispute letter wise saying this isn't you and attach a copy of the mortgage broker's denial of doing business with you.
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