<prompt> Human: Not sure if this is worth worrying about, but some of the questions asked about loans on my credit file that I am absolutely not aware of. It asked for a home loan I took out in Sept 2010. I was just starting my senior year of high school and was 17 at the time, and my dad was a pastor so we had actually just moved to a house owned by the church, so no reason to suspect foul play from family. Another thing worth pointing out is that throughout college, I actually had a credit history somehow. Ive never owned a credit card and had never taken out a loan, but when my bank ran a credit check on me they were surprised to see that I had a credit score, and it actually wasnt awful mid-low 600s for the trans-union score. But yeah, do the verification systems sometimes throw in bogus loans and expect you to answer none of the above to questions pertaining to them? Or is this something I should look into by getting one of those complete credit report things? Or should I do that anyway just because why not?  <response>: You can get a free credit report from annualcreditreports.com that will tell you exactly whether or not you have any debts or identity theft that you wee unaware of.That said Ive had to click none of the above on at least 1 question from every set of credit verification questions Ive ever taken. The idea being that you would know if you had taken out a loan for a car or a house, these things dont just will themselves out of thin air. 