BAD CREDIT?!!

[mell8725 0]

Hi everyone, I am a bit curious about something....

In 2007 when i gave birth to my daughter I was out of status, I have been receiving hospital bills ever since then. Then in 2008 I had to get gas and electric in my name which there is an outstanding balance...

My question is whether those items will be on my credit report after i get a SSN since I didnt have one when i was charged for those items

[jaygregory 1]

hmm thats a good question. does a new SS number mean a new credit report and things?

[Harpa Timsah 13,258]

Yes, they will match your bills to your SSN.

[mell8725 0]

Aw man..i guess imma be starting out with bad credit then

[RICARDO4EVA2 194]

My question is whether those items will be on my credit report after i get a SSN since I didnt have one when i was charged for those items

i would say no.

[mimi0418 0]

I agree with Ricardo4eva.It doesnt affect your credit... I just got my ssn and I conducted various transactions before and when I run my credit it says that there is not enough information and even for a background check at work they asked me how long I had my social because its not showing any history for me so dont worry about it.

[mell8725 0]

Thanks you guys...that is really good to know

[Harpa Timsah 13,258]

I agree with Ricardo4eva.It doesnt affect your credit... I just got my ssn and I conducted various transactions before and when I run my credit it says that there is not enough information and even for a background check at work they asked me how long I had my social because its not showing any history for me so dont worry about it.

Wait a few months - if you have other bad stuff it will find you.

[siasimba 9]

If you have bad credit, that is no one's fault but yours. So if your bad credit stays, it was yours to keep anyways so no harm done there. However, if your bad credit goes away with your new SSN... then that is more power to you.

[RICARDO4EVA2 194]

If you have bad credit, that is no one's fault but yours. So if your bad credit stays, it was yours to keep anyways so no harm done there. However, if your bad credit goes away with your new SSN... then that is more power to you.

You have no point... none! Don't see how that answered a question asked by making a statement.

[mell8725 0]

@ siasimba: thanks for your insight....i guess i already knew that and im willing to live with it if thats the case but if you come across any info that would answer my question I would really appreciate that also

[Glyn and Kathy 288]

If you didn't have a SSN then, I don't see how it could be attached to your new SSN. So I would say no, it won't affect it. Now, that doesn't mean bill collectors won't try calling you to collect it. They will go by the name sometimes, and just attempt to collect the debt so don't be surprised if someone does try to call you, but I think your SSN should have just no credit history.

[LIFE'SJOURNEY 970]

@ siasimba: thanks for your insight....i guess i already knew that and im willing to live with it if thats the case but if you come across any info that would answer my question I would really appreciate that also

All of your outstanding debt will eventually cross- reference itself to you by your address, which will give your brand new spanking SS number. Debt does go away in a year or two, bdebt can stay on the books for 10 to 20 years and smeone will match the two together. So tomorrow you may show no debt, but later this debt will show up in your credit report. Creditors don't just use SS to match up debt, there are other forms of ID used to match you to your debt.

[mell8725 0]

@ MIMI...i guess ur situation is the closest to mine since you did have some debt before u gt ur ssn....have u seen ur credit report since the last time ur employer ran it? and if so have any old items appeared on it yet

[LIFE'SJOURNEY 970]

All of your outstanding debt will eventually cross- reference itself to you by your address, which will now list your brand new spanking SS number. Debt does not go away in a year or two, bad debt can stay on the books for 10 to 20 years and someone will match the two together. So tomorrow you may show no debt, but later this debt will show up on your credit report. Creditors don't just use SS to match up debt, there are other forms of ID used to match you to your debt.

Edit to correct spelling. The "o's" were missing.