Hello, I am Derrick.. I'm 22 years old, i recently pulled my credit report just for curiosity and i find out that i have a medical bill on my report from equifax also a credit card in my name from capital one and a verzion bill from 2004 in my name... I got the verzion bill it my name removed ( i was only 11 years old at the time!!) my father when i was younger used my ssn number all of the place and recently i have got contacted by someone on line saying they "seen" my ssn and all my information online (i called bullshit but they repeated all my information to me) so i think I've been a victim of fraud or something! can someone please help me out.. I am a father of two children and buying a new home is important to me!
my 3 fico scores are 455 eq 557 tu 469 experian
I've been doing A LOT of research on how to fix this and i landed here i hope someone with experience could help or guide me into the journey of better credit ; i know its not a instance fix but it will take time and patience! thank you all for hearing me out
-Derrick
Have you filed a complaint?