Quote Originally Posted by Lord Ash View Post
Can a relatively dumb person ask a question...?

If I've never knowingly had any interaction with Equifax, do I still have to worry?

Any guidance for a clueless fellow is more than welcome
Ha, you may not know about them, but they know a shirtload about you. In a nutshell, they are one of the three major US credit bureaus...and are generally aware of
any loan, credit card, mortgage, (even applications) you've had...every time you apply for a loan or credit card, the lending institution checks with one of these three jackals
to see what you've been up to. They each have numerical scores for you. If you and Ted Kaczynski have been in the woods together without ever taking out a loan or credit card, you could be in the clear. Guessing that's not too likely, your Lordship!