A few years ago I applied for a credit card and was denied for reasons the company apparently was not allowed to tell me. I did n't think much of it i thought i just applied for too good a credit card. But a year or so later at my new job I tried to get the store card which starts at only XXXX dollars credit and was denied, instantly. Now I was confused I was a full time employee XXXX and i could n't get my own stores credit card??? A week later i received a letter from my jobs credit department and it actually explained what was going on. According to credit reports I had a lien against me for a house or apartment and got a car which was barely paid for. The only XXXX that kind of made sense was from XXXX saying i owed them {$830.00} for an account i closed out someone obviously made a mistake and kept it going which is why i do n't like to do things over the phone, XXXX lazy person is making me owe the better part of a grand. I checked the credit reporting agencies myself and while i can find the XXXX charge i can not find the XXXX others. But some websites i checked asked questions to make sure I am who i say. Those question said during XXXX XXXX I took out a house loan and I believe it was XXXX XXXX same thing but with a car. This happened on XXXX separate websites XXXX times i chose the bottom answer " none of the above '' and was told that was incorrect. For some reason i ca n't find these unpaid loans or payments on any credit report site all it ever shows is XXXX. I can guarantee though every single time i apply for a card those XXXX loans are the reason i 'm denied. I do n't know how to find out about them or if somehow they 're making a mistake but it has ruined my credit score and has become a major problem. When i was XXXX it was XXXX thing i paid everything cash or debit anyway, but now i 'm in a position where i ca n't get a card for an emergency, I ca n't get a car or a apartment, let alone house. Some jobs even turned me down because of it. I just wan na know why the XXXX credit reporting company 's say i have outstanding loans when i apply for anything and even used it against me to keep from checking my score by asking questions that basically made me either lie and admit the debt is mine or tell the truth and have them tell me that I 'M not the real me. So its obvious they know about it, yet it 's not in the credit report ... or anywhere unless I apply for a card or to to lease a car then I get a swift letter of denial telling me i have liens against houses and an unpaid car loan. The unpaid loans also messed me up with banks I do n't have an account right now i ca n't no bank around me wants to let me open an account or if i do the want me to put a lot of money in and never take it out. Sorry I 'm ranting stressful day but seriously? I am XXXX I 'm not leasing cars and houses especially not 4 years ago. I just want XXXX credit report that tells me where those unpaid debts came from so i can clear it up ... .hopefully. I have family and friend its happened to and it ruined them for years and some never could fix it. So XXXX my final note I 'd like to ask the credit reporters all XXXX ... XXXX??? SHOULD I START STUFFING THE CASH INTO THE MATTRESS NOW? I 'd prefer not to live out my days in a trailer with the car i bought with {$400.00} cash from my job as a day laborer. So can someone please help me with this?