<prompt> Human: For starters, I tried the guide on the subs wiki, but I dont have the 10 fee to place any of the security freezes in Texas. I have no earthly idea what I need to do from here.I am seriously freaking the fuck out here, any help you good folks could provide would be much appreciated.I found out about this from attempting to check my Equifax score, and the verification process asked me about: A Store Credit Card, opened as a minor, A Car Loan, again as a minor,and Student Loans, taken out before I graduated high school.All of which never happened.Assistant: Hold up a second. Did those questions have a I dont have this account type answer? When verifying identities, especially with younger folks with little-to-no credit history, they often make out plausible sounding debtsloans and ask about them. Someone trying phish for your credit score might recognize an address or local bank, but wouldnt actually know.So did you actually see these things on your credit report? Or just in the verification process? Human: No, there wasnt. The closest option for each was None of the Above.And the site wouldnt actually deliver my credit report, it gave me an error message. The same message popped up for the other 2 sites as well. Something about We are unable to deliver your report online.  <response>: Calm down. This is common and your identity is most likely not stolen. You always get weird questions that you answer none of the above, and if you have a thin file like you do, they still cant verify your identity. You will need to get your credit report by mail. I go through this every year I request my reports even with an extensive credit history. 