What should I do if someone took out a home mortgage out under my Social Security number?

That was a security question that the correct answer to is "None of the above" this is why you were not allowed to pull your report.

Try again and if your asked the same question be sure and give the correct answer.

If there really is a mortgage you need to file a police report A.S.A.P. and make sure all 3 credit report bureaus get a certified copy.But don't worry since you were a minor there is no way you can be held responsible for the loan.

Try getting your credit report again. The system often asks questions in a suggestive way that would get someone else to just guess, when the real answer is "none."

Make sure you are getting the report from:

www.annualcreditreport.com

This site is run by the FTC for you. There are no strings attached.

Don't use www.freecreditreport.com. This site has strings attached and even though the initial report is free, you end up signing up for a credit monitoring service and you'll be charged later if you don't cancel during the trial period.

If, there really was a mortgage taken out in your name, you need to file a police report. Identity theft is a crime, and like all crimes, you should report it. Then, your police report will serve as a tool. Contact the mortgage company, explain the situation, fax or mail a copy of the police report and demand they remove it from your credit reports and that they never attempt to collect the money from you.

Mark above may have a good point, if your 'mortgage' was listed as one of the questions they ask to verify identity, it may no even exist. The systems do ask for non existent account information sometimes, just to check if it's you.

Obviously, any mortgage taken out when you were 12 is not valid. I have NO idea what Mark is referring to by stating is is not a necessity, that's meaningless. But you cannot be held to such an obviously fraudulent mortgage.

Mail your information so you can get a proper copy of your Equifax report. Also contact Transunion and Experian. You're entitled to a free report each year from each of them. If you find any of them DO list this mortgage, they will provide information on how you can dispute it. If the account exists, you should also send them a letter asking for a watch to be put on your account, a notification so that any company checking your account will be told there has been fraud, and to contact you directly before granting any credit.

It might take a while, but it will get straightened out

Everyone is asked the question that asks you to select a mortgage, whether or not anyone has ever had a mortgage under that person's social security number. It does not not mean that anyone ever had a mortgage under your social security number.

If you have never had a mortgage, then the correct answer to the question is "none of these".

If you select that answer, then you can obtain a copy of your credit report without mailing or faxing any information.

Those questions are part of a screening process to prevent authorized access. Have you actually seen your credit reports and ascertained that a mortgage loan is on there? Go to http://www.annualcreditreport.com/ to request your free annual disclosures. If you can't access them on line, use the telephone touch-tone option or mail-in form to request mailed copies.

If there DOES turn out to be a mortgage loan showing on your records, it could be fraud (as you assume) or it could be a mistake. You won't know until you get your reports.

It sometimes asks questions that would have an answer of "none of the above." This doesn't mean there really was a loan taken out.

(But in the case that it actually happened xD, you wouldn't be liable as a home is not a necessity to you, they can't hold you to that contract. (you're parent's home is a necessity though, or at least was)

Could be a scam ,consult the police for advise,do not send your info to them.

I just turned 15 but i don't have problems like this what i would do though is ring their phone number and tell them what has happened and see if they can do anything about it.

talk to your parents FIRST!

You need to talk to a lawyer now.