I am in the process of purchasing a home but my credit report has a black mark on it. The items in question were not purchased by me but it looks as if someone used my credit off of a cheese magazine that does not go by your SS# but just a number they assign you. I want this off of my credit report and the woman I spoke to never got back to me. Time is running out and I need help now........I was not impressed with the response time. I tried to call her several times today without success.