How can I stop my parents from pulling my credit report?

My parents are really nosey and I am well into my 20s and they have no business knowing my financial situation. Unforunately they have all my personal information - social sec #, maiden name (go figure), etc. They also have a habit of calling my credit card company and discussing charges with them! It is getting really annoying and none of their business.





Is their anyway I can put a block on people being able to pull my credit report simply by going to one of these websites and typing in some (readily available to my parents) information?





thanks!

How can I stop my parents from pulling my credit report?
Hi John:





I am sorry to hear that you have such busy bodied parents. Sometimes parents go way out of their boundaries when it comes to their children. Maybe they are just worried about you getting into financial trouble....who knows. Confront them with this issue and tell them that you are financially healthy and that they need to stick to their own financial affairs. In essence, they are breaking the law by exhibiting this behavior.





Definately get a freeze on inquiries for credit reports. Also, call all of your creditors and explain to them the situation and request that it be documented what your parents have been doing. Have a different security question set up with an answer they would probably never figure out.





If worse comes to worse, let your parents know that you will take this issue to court, if need be. I know it sounds harsh, but it sounds like now you will have to do "roll reversal" in this case and take displinary measures.





OH yes, Thin Kaboudit...you are very misinformed where it comes to public information. Credit reports are not public information. Yes, some things that are reported are public information such as bankruptcies, foreclosures, tax liens and judgements. No one can just pull someone's credit legally without written or verbal authorization of some form.
Reply:Do not know where Mary t cam up with all that, but it sounds as if she has been in the position she is describing Maybe she should grow up. As for your question I would call the cc companies and tell them if they give any info to anyone but you, you are going to sue them for giving out personal info. I would set up a password with them (not my social or dogs name) something your parents will never guess. How about you take your parents out to dinner and talk nicely with them. Explain you are not their little kid anymore, and you have your own life with private personal info. Ask how they would like it if you pulled all their info, bet they wouldn't.
Reply:are your parents cosigners on any loan you may have......student loan or anything like that? they might be checking on their investment. I couldnt blame them for that
Reply:You can call customer service. Some companies will now give you the option of setting up a password. When someone calls in, they will be asked for the password.


If your parents are still supporting you in any way (helping out with rent, bills, etc), they may feel they have a right to it.





If they aren't supporting you, tell them this information is private and they don't have any rights to it. You can set up accounts with the credit reporting agencies and they will give you passwords so only you can access this information when inquiries are sent directly to them.





Good luck.
Reply:Your credit report is public information, readily available to anyone who pays for it and many who don't. There is no legal way to prevent anyone from seeing it.
Reply:call the credit bureaus and see if there is some kind of password you can assign to your acct. Get a PO box so they can't check your mail or see what's on your credit cards. the CC companies shouldn't tell anyone but you anything-see if you can get a password or pin# set up there too
Reply:The only way to stop this is to put a freeze on your credit.





This will prevent anyone from pulling your credit until you release the freeze.





As far as your credit cards go call the card companies and put a password on your accounts. This will stop your parents from being able to access your information.
Reply:You should probably call your cc company and set something up so that they have to ask for a password that only you would know before discussing any business related material... A company I worked for did this, so it can be done...explain the situation to them so that they understand where you are coming from...
Reply:If you are still living at home, it is time you grew up and moved out. Your parents are concerned about your use of credit because you are living with them. They are afraid if you don't pay these cards on time that they are going to come to them for the money. Get your cards paid up whether it takes getting a second job or something. Be adult and be responsible. Then save your money and move out. It's time you grew up now that you are well into your 20's anyway. The reason they are doing this is because you are evidently acting like you are about 15. Good luck.

lily