DST Love has made a good point by expressing how important it is to get a credit report from all three agencies. My sister taught me the importance of that a few years ago.
My sister and another woman shared the same name before she got married. The other woman's bill collectors were calling my sister. She hadn't used her maiden name in more than 10 years and didn't have any bills before she got married. The only link is that they had the same first and last names, and both lived in our hometown.
After threats from my sister, they got it straightend out...promptly. The charges never showed up on her credit reports, but she still checks them at least once a year. After that, I do the same.
Don't be afraid to question discrepancies!
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