Question : If my credit is bad is it possible for me to be the victim of identity fraud?
Dang, I miss typed that one. I had inaccurate statements in my credit report. Two items went to collectors. I never seen these items before.
- asked by ஐ Siren ஐ
All Answers:
Answer #1
It is quite possible if you haven't done anythingto hurt your credit like late or missed paymentsor defaulting on a financial obligation. Ifyou're young and haven't had credit before yourrating will start low and get better as you builda reputation for being responsible and trustworthyis repaying your obligations.
- answered by plantguardian
Answer #2
I find this question with a bit of humility. Yeah, I chuckled, because, why would someone wantto obtain your bad credit 'identity'? They--beingthe criminals pilfering your identity-- wantsomeone's identity who actually has a decentfinancial past, that is, someone who they canactually "live off". No offense, but your badcredit is a GOOD deterrent for such thieves. Ifyou wanted to be someone else for a day, do youthink you'd want to be someone who had the samebad credit as yourself, or someone with the buyingpower of The Donald, or Tom from Myspace? I thinkthat question is perhaps unfortunately obvious. Then again, they can still use whatever credit youhave remaining on any credit cards you may stillhave open, which is, in and of itself, stilldevastating for anyone.Identity Theft is bad nomatter how you look at it, and it's a crime. Goodluck.
- answered by ebayphilanthropy
Answer #3
Actually, it would be easier to be the victim ofIdentity fraud because those with a bad creditrating usually have more records. But as saidbefore, who would like to be identified as someonewith such a rating .
- answered by DavidC
Answer #4
It is possible that a) you have been a victim ofidentity theft/fraud, b) there are inaccuraciesreported to the credit bureaus, c) you have a lackof credit, or d) you have a history of latepayments that you do not remember.You can get yourfree copy of your credit report and review all theinformation. There will be some contactinformation if there was identity theft/fraud orreporting inaccuracies. Of course they won't justtake your word that you always pay your bills ontime and therefore should have perfect credit. Besure to provide verifiable facts such as checknumbers, the amounts, and the dates they clearedyour bank.
- answered by Frank
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