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Identity theft is very common nowadays. Sometimes you will just find purchases or unfamiliar records on your credit report. If you encounter this kind of problem you can still fix it with different credit repair methods. However, before doing filing a credit report it is better if you personally investigate first.
The first thing you need to do is to discover what the root cause is. Sometimes it is due to a file merger error. Although this is also a sign of a complete identity theft, but it is somehow easier to solve.
Before running to a financial advisor or company to solve those unrecognizable credit report, you might want to check it with your family members first. File merger errors are very common with siblings, most especially if they still use the same home address. Their credit reports can be easily mixed up especially if their Social Security numbers are nearly the same.
However, even unrelated individuals can experience file merger errors. Just think of how many people avail of credit cards and loans. Most of them have similar last names or street addresses. With all the similar characteristics, it is not unusual to get their credit report mixed up.
Another way to find out if it is a case of a file merger error is by calling one of your creditors and check if they have records of the unfamiliar account on your name. You just need to give the necessary information for them to check if they really have a record of that under your name. If they said no, then it is also a case of a file merger error.
If in any case the account was really made under your name, then you should report it and choose the necessary credit repair technique. This clearly means that this is a case of identity theft. Report it immediately to your creditors and file a fraud alert