<prompt> Human: I am in my early 20s and have never checked my credit. Creditkarma asked me a series of questions to verify my identity after signing up. One of the questions said that my report shows a mortgage that may have been opened around December 2012. I have never had a mortgage, I rent the apartment Im currently living at but Ive only been here since last December. I was in high school in 2012. Is it possible my identity was stolen or something of the sort? I have no idea who to talk to or what to do so I turned to you guys. Any possible ideas or information are appreciated!It may be worth noting that it said I didnt have sufficient information to get my report since I answered none of the above when it asked which company I got the alleged mortgage through. Edit: Were sorry, but the answers you provided did not match the information on your credit report. We will not be able to grant you access at this time.This process is necessary to ensure our commitment to protecting user data.Assistant: the questions are to verify your identityit is OK if the answer to some of the questions is NONE OF THE ABOVEfor example, if the question asked youare you a1 cat2 bird3 dog4 none of the aboveit does not mean the system actually thinks that you are a cat, bird, or dog, the correct answer is none of the aboveHuman: So it wasnt actually implying that I had a mortgage then? It was asking for verification purposes? Assistant: correctHuman: I see. Since I cant check it on credit karma for whatever reason, which site should I use thats free and doesnt require a card?  <response>: Note: At annualcreditreport.com you get credit REPORT for free for once a year but you do not get a credit SCORE; that has to be paid for. 