Credit Reports Galore - denied free experian equifax

Maggie P asked:


My father took out a credit card in my name with an $800 credit limit. It is maxed out and over about 160dollars! I found out about it tonight only after having investigated my credit report online. He didnt’ tell me at all about the credit card. I live with him and my mother. They put a roof over my head and food on the table so I dont want to get him in trouble with the law but It makes me so angry he did this. He’s having a few debt problems himself and that’s why I am afraid he’s going to skip out on making payments and It will ruin my credit history. I dont even have a job to pay for this myself that just makes me even more worried !
I dont want my credit ruined before I even get started for the future.
What can I do about this situation?

BEAU

destructfashion asked:


I just turned 18 about 10 days ago, and I tried opening a checking account with bank of America, but received the following notification a few days later:

“We are unable to open your account(s) at this time. Our decision was based in whole or in part on information obtained in a report from a consumer-reporting agency.”

I’m assuming this means that it wasn’t opened because of information on my credit report. However, up until this point I haven’t been able to sign up for anything that involves credit, so shouldn’t I not really have a credit report? Considering that a checking account just involves me using money in my own account, I don’t know why it would be turned down based on a lack of credit.

Also, I tried checking my credit report online but every site requires a credit card number (even if the service is free), and I don’t have a credit card because I was a minor until about a week or so ago. So I don’t know how to check my credit report either.

Any tips on either of these things?

FELIX