The service is called “Turbo“, it allows you to look at items on your credit report and gives you a “vantage score” credit score, which is similar to but not the same as the official FICO score. You can access the service via the website or a app on your smart device.
when you login, it will attempt to connect to your credit report by asking you questions where the answers come from your credit report and are assumed to be things that most hackers would not know about you. Such as, your address 10 years ago, or the name of the bank where you had a car loan.
There are two common areas of confusion with this process. One is, that sometimes the system will deliberately ask you a question that has no right answers. In this case, it’s OK to say “none of the above”. Second, sometimes the lenders names are abbreviated or is not the lender you think. For example, if you obtained your mortgage from ABC bank, but ABC bank transferred the loan to XYZ servicing company, it might show up on your credit report as XYZ, which you would not recognize.
If neither of these two situations sounds like what you experienced, then the program may have been looking for someone with a similar name who is not you. Could you have mis-typed your Social Security number? Or, if you have never checked your credit reports before, it is possible that your credit information is mixed with someone else’s in your credit file. This could be a problem just with TransUnion, which is the company turbo users, or it could be a problem with all three credit reports.
start by going to www.annualcreditreport.com, where you can get one free credit report from each of the three credit bureaus per year. Get all three of your reports, and check them for inaccurate information. If you can’t get your reports on that website, you will have to call the three credit bureaus directly and speak to someone over the phone.
