Ask Terry Questions Credit Check on unexpected bill

Credit Check on unexpected bill

By Terry Savage on February 13, 2020 | Credit/Debt

Which website should I use to see what’s going on with my credit history? I received mail/bill from a collection agency for a catalog co that I’ve never bought anything from. Thank you!

Terry Says

Immediately go to and get a FREE (not sighing up for any monitoring) credit report from at least one of the three major bureaus: Experian, Equifax, and/or Transunion.
You’ll get it instantly after answering some questions that only you can answer. Then look for an account from that lender. Maybe someone opened new credit in your name. (All three bureaus should have the same info, but in this case I would get a report from each of them!) You get one free3 one from each bureau every year — and this is the time to use that privilege. At the same time, put a freeze on each credit report so that if there IS fraud, they don’t open any more accounts!

Either way, immediately contact the company that billed you and say you have no idea how that was billed to you. You’ll have better ground to stand on if you can tell them the account isn’t even on your credit report.
And your final step may be to file a police report about identity theft if the company that sent the bill won’t fix their error. Keep careful records of whom you spoke to.



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