I think someone stole my identity!

Don't panic yet. Did either of you have mortgages previously? If so, that's what may still be showing up. I know when I divorced and he took the house and payments, it stayed on my credit report for quite a while as being active in my name too. It wasn't until I bought this house and looked at everything closer that I was able to contact the credit reporting agencies and have it cleared out of my name. Since she gave you the bank information, start by calling them first and see if it's something either of you did before that's still hanging on. If so, you can provide whatever information is necessary to the credit reporting agencies to get it cleared up and your name taken off.

Get your report, this will tell you the information needed by you to contaact the mortage companies. Then contact your bank and stop any payments to them. Next you need to go to your Title Company and find out if there are liens for these loans on your property. You can also get more informaiton about where these came from on their report. Next contact the lendersand go as high as you can getting the necessary information. don't be surprised if yu find out these loans were sold to someone else. Hopefully the Title Company will have that information also. Make sure that all questions and anwers you get from any lenders are followed with a certified, return rectip letter stating on what date, at what time you talked to --------- person and this is what was said. Keep copies for yourself. After you have gathered as much information as you can contact the credit companies, there are three of them, and tell them what is happening, then send them a letter also. If this thing gets really nasty and you have to see an Attorney you will be in much better shape if you can show that you reacted as soon as you discovered this situation. On the other hand you may luck out and find it's all a scam. It may be because you should have noticed money going out in payments from your bank, wouldn't you. PM me if I can help

Don't do anything over the phone! Go directly to the bricks and mortar branch of your bank. http://www.thinkglink.com/article/2010/06/22/fbi-scam-report-dangerous-phone-scam-could-raid-your-bank-account

Hi Kalatbs, I would go into the bank and talk face to face with them. Is it possible that they have another client with the same name as you as you that they are getting the info messed up with on the computer? I ask because this happens to me all the time. There is a woman who lives just down the road from me with my same name and she is close in age etc. I've even had the bank mix us up when they've tried to pull my account up by my name rather than my account number. Obviously the mortgage is thru another bank and not theirs so I'm guessing that it must be someone elses' report who has the same name as you. Hope it something that simple and easy. You will have to let us all know!

Rather than panic, I would phone your bank as this may not have been a genuine call from them and ask if anyone had tried to call you re this. If you do not have a mortgage I cannot see how this can be attached to you or your husband. Tell the bank what this woman said and then go from there. Hope it all works out. Huggles. Ellie :D

I would take all precautions that you can. I would go down to the bank and ask them for secured accounts. Whatever up to the minute security you can have on the accounts. Some banks have thumb prints that you can use, etc. I would definitely check all three credit companies. If there are questionable things on any of these reports I would do research get any varification you can and then write notes to add to these credit report companies explaining the fraud if that in deed is the case. Ask around and do more research on what you can do to secure yourself in the future in infact this has happened to you. Hopefully she had a wrong name.

First check it out with your bank before you panic. A few years ago I had my identity stolen and as soon as I confirmed it really was stolen I reported it to the police. Put an alert on the three Major Credit Bureaus. Alerted and cancelled all credits cards and got new ones. The police and my bank were also very helpful in how to proceed. It could be a scam. You must go in person to your bank to verify that they really did call. This sounds very fishy to me as they are not supposed to ask for any information over the phone

omg that is scary i wish i could help by giving some advise but i can't sorry but i can keep you in my thoughts an wish you good luck

I think if anyone were to try to steal my identity they would be sadly disappointed in their ability to do anything good with it. Yes, you are very lucky this woman contacted you and alerted you to this. I really wish you luck getting it all straightened out. I would get a copy of your credit report from all 3 agencies right away and see what else is on there that is not yours. I would call up each one of them and let them know what is not yours. You will probably end up needing to contact the police as well.

I wouldn't panic. This could just be a phishing expedition. People call claiming to be a bank and even have a call back number and take a chance that you have a mortgage, then reel you into a "loan" which is really a gift to them since you pay a fee upfront. Like Marie Anne said, check your credit report--it's free once per year but don't go to free credit report dot com or anything, those are scams--and if anything is amiss start working on it.

Hopefully it's not identity theft. Maybe it's just a similar name that came up in a search. But I'd say you would want to get a copy of your credit reports and see what comes up first of all. And then it just depends on what it shows.

Hope you called your bank at the bank number and verified it was a real call from you bank. Hope you did not give them ANY personal information over the phone. So many scams out there. Hope your credit identity wasn't stolen. Good luck to you!

Go through everything you have. Make sure there isn't a clerical error on their part. Perhaps they got you mixed up with someone else. I highly doubt, anything is really going down. But, if you're worried. check every bank statment, credit card statment, anything you can possibly get your hands on for the past four years. If someone was really steeling your idenity, you would have been made aware of it long before now. Four years is a long time. A very long time to be dealing with to go without some other red flag. Its not uncommon for people to have the same name, with different or simular spellings. Its probably an honest mistake which anyone can make. So don't panic. That's the last thing you need to be doing is panicing.

My question is is it normal for some one to alert you about it, I mean why is it that girl from your bank suddenly alert you for a mortgage that is almost 4 years ago, could it be something that involved them. It is possible that they would manipulate it right? Some one on the bank which has a higher position or I mean some one who has an access and able to tampered your records. How do I know I got a friends who work as an IT from CITIBANK in UK and he told me about this thing could possibly happen.

I definitely would check it out, although sometimes I think that they make up some of those things. Good luck to you.

Sounds fishy to me. You sure it wasn't a scam to get your account numbers? I would go to the bank for starters, close all my credit cards and open new ones, close my bank accounts if necessary and open new accounts. The small amount for the cost of checks is well worth it. To protect yourself, it's like starting over. I cashed checks at a local casino from two of our checking accounts. This was about 2 years ago. Got a letter from the check cashing service the casino uses that our account numbers and all the information was sold to an outside source by one of their greedy employees. Immediately I went to the bank and closed the accounts. This also means my personal information is out there including my social security number. Needlesstosay, I was livid but nothing I could do about it except protect myself at that point. Have never had any problems as a result of this fiasco. Good luck, carolbee

I am concerned that the woman may have been phishing. Are you sure she was actually connected with your bank? I am suspicious of this kind of call.

I'm glad your mortgage mystery has been solved, but maybe this was a warning? Perhaps you and your husband need to take steps to protect yourselves just in case someone does try something in the future. It couldn't hurt.

Call your bank directly and talk to someone there. There is a way that criminals are able to spoof phone numbers so that it looks like they are calling from anywhere and it sounds like this could be the case in the situation. They are phishing for information so that they will be able to steal your identity. I would go ahead and also check your credit report just to be sure, but I'm pretty sure this is someone that is trying to get at your identity instead of a way of informing you that your identity has already been stolen.

Really?are you sure you nees leakageing you personal informations to anyone ,and you didn`t aware it ?May be some one stole your ID and informations for some fraud ,you need call cap and bank ,and checking recently you any different account ,be carefullu even this is just a false alarm.