So l have a credit card with a limit of $600. I've always paid on time and have never left a balance on the card. l also have a high paying job (over 100k per year) and all of my other bills are paid in time.

However, when l requested for a credit line increase (just to $2000), l was declined. l thought this was a little strange, so l decided to check my credit report (since it is free with a denial notice).

When l was filling out the form fields to obtain the report, it was saying things like ''We believe you had a mortgage loan in 2002, what company was it from'' and ''We believe you had an auto loan in 2001, what company was it from''. I've only been a US resident for a few months, and l only received my Social Security number a year ago, so obviously these debts had nothing to do with me.

l wanna dispute these debts, since it is probably the cause of my lack of credit, but the problem is, since they were from so long ago, they were not actually listed in the report itself.

What can l do about this?

They do not believe that u had these items. There is no need to dispute them. For security purposes, they ask everyone these questions. It is a test to see if u know that the person whose credit report u r requesting did not have a mortgage, car loan, etc., which u would know, if u r that person. The purpose of the questions is to make it harder to pretend to be someone else & obtain their credit report.

If they (the credit report company) actually thought that u had these items, then the items would appear in ur credit report.

Even though something is not listed currently on ur credit report does not mean the credit bureaus wo not have access to that information. Obviously if they r asking YOU these questions to verify ur identity, for instance, then they have the to those questions. They often ask a question that is FALSE to see if it is really you. For example, they may ask about a mortgage loan even if you've never had one. This is simply a way of verifying that u r who u say u are. The real ''you'' would obviously know u never had a mortgage loan & would answer appropriately.

If you're concerned, my advice to u is to contact all three credit bureaus to see what is going on. Do not fall for their credit monitoring service offers. The government (by law) has required that all three credit bureaus give U.S. citizens a look at their credit report for free once a year. You can access it at this link: https://annualcreditreport.com/cra/index.jsp

Write a letter to each explaining ur concerns.

You need to call or write Experian, etal & request a copy of the credit report.

What u r describing, l think, is what happens when u request a copy of ur credit report online. To try an prevent someone other than u from getting a copy, they ask trick questions. The questions r generic & try to make u pick ur answer from a list of choices that r supposed to include just one that lines up with ur actual account history. Unless ''none'' was not a choice, l would not worry about this.

My history is lengthy, but relatively empty. When l was requesting a report online, one of the questions l was asked was to identify the street l lived on 25 years ago.

It could be due to only a few reasons.
1) Did u deal directly with the social secuirity administration to get ur card. If u requested it through some agency or someone else, u got a bogus SS number. If it is a legitmate number from the SS agency, then it would be a case of stolen identity. in which u would have to file a police report, then notify the credit reporting agencies & provide proper proof ur SS number was used to obtain loans.

2) As others have mentioned, they will ask u to select the right answer to the question, this is to prove who u r (not to trick you!)
You denial for an increase is due to ur short period of credit history if u have only had a SS number for a little over a year. Income plays no part in ones credit scoring, only ur previous records of credit & the length of time the accounts have been opened.

If ur cards, bills or identification have been misused to open new accounts in ur name, file a complaint with the FederalTrade Commission. Call toll-free
1-877-ID-THEFT (1-877-438-4338);
TDD: 202-326-2502, or visit consumer.gov/idtheft

Hope this answer is of help to you
LEGAL DISCLAIMER: The answer provided here is intended for informational purposes only. It is not intended nor presumed to be legal counsel or professional legal advice