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New Member
posted Jun 4, 2019 7:34:31 PM

Hi, I am looking at my financial health and noticed under the debt portion there are two credit cards I do not recognize. What should I do?

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Level 15
Jun 4, 2019 7:34:32 PM

You would have to contact the credit reporting agencies directly, there are 3 of them, and you can get a free credit report once a year from each agency at this web site.  https://www.annualcreditreport.com/index.action

Check all 3 agencies, "Turbo" only uses one of them.

Then, contact the bank or credit card company to find out what is going on.  It might be a mistake, or it might be identity theft.  

Here are some web sites to check  https://wallethub.com/edu/unknown-account-on-credit-report/16963/

https://www.identitytheft.gov


You can also "lock" or "freeze" your credit account at each of the three agencies.  This usually prevents anyone from opening new accounts.  (Even you -- you have to unlock your own account before you can get new credit.)

A "freeze" is a special thing covered by consumer law.  There may be fees to freeze or unfreeze depending on your state.  Lock/unlock is something that is a little less than a freeze, and at least some of the credit bureaus offer it for free, although you may have to register and agree to accept some marketing email, and they will try and upgrade you from the free to a paid account with more features.