not mine - no
You might want to go read the page on Identity Theft.
And remember sometimes mistakes happen, something may have accidently been added to your history, instead of a person that's similar, or was next on the line of what was being entered.
These are often referred to as inaccurate negative items, and yes they can be hurting your credit, because they are there. Yes even if it's not yours.
You will either want to contact the reporting agency, probably the fraud department, and dispute the charges; or contact a professional to help you make sure it's removed.
Another way this can happen is if you and a parent share the same name, and you will also have had a shared address history. It's common that a child, or the parent may have, or have had credit issues, and it gets mixed up with the other party. This can be a messy sorting, even if there was no wrong doing. Meaning the one party didn't use the others identity and details.
And another way that this can come up is a parent is so far behind that they open a utility in a child's name, and the child has no idea. Not only were they too young to be in a legal binding contract, but they had no idea that the reason the family had "electricity" turned back on, is that it was in their name. You deserve to have a real start at your credit journey, and yes it can be removed.
And remember sometimes mistakes happen, something may have accidently been added to your history, instead of a person that's similar, or was next on the line of what was being entered.
These are often referred to as inaccurate negative items, and yes they can be hurting your credit, because they are there. Yes even if it's not yours.
You will either want to contact the reporting agency, probably the fraud department, and dispute the charges; or contact a professional to help you make sure it's removed.
Another way this can happen is if you and a parent share the same name, and you will also have had a shared address history. It's common that a child, or the parent may have, or have had credit issues, and it gets mixed up with the other party. This can be a messy sorting, even if there was no wrong doing. Meaning the one party didn't use the others identity and details.
And another way that this can come up is a parent is so far behind that they open a utility in a child's name, and the child has no idea. Not only were they too young to be in a legal binding contract, but they had no idea that the reason the family had "electricity" turned back on, is that it was in their name. You deserve to have a real start at your credit journey, and yes it can be removed.