Every time try to check my score on experian freeannaulcredit report.com and things like that they ask me to confirm bogus questions like who I have a loan with I never had a loan in my life like these crazy bank names they ask me about I had checking accounts with XXXX banks in my entire life and that 's XXXX Bank XXXX bank and my current bank I 'm with is XXXX that is it what all these bogus questions?