A credit report prepared for me by a bank lists the following factors that adversely affected my credit score with Equifax : PROPORTION OF BALANCES TO CREDIT LIMITS TOO HIGH ON REVOLVING ACCOUNTSTHE NUMBER OF INQUIRIES HAS ADVERSELY AFFECTED THE CREDIT SCORE '' Proportion of balances to credit limits too high on revolving accounts '' is a problem because I believe " revolving accounts '' means " credit cards '' of which I have XXXX. I have no credit cards whatsoever and have never had a credit card at the time of this complaint ( XXXX/XXXX/2015 ) '' Number of inquiries has adversely affected the credit score '' is extremely frustrating, because I 've had perhaps a total of XXXX inquiries in the last year. XXXX for mortgage pre-approval letters from XXXX ( the XXXX expired before we found a house we wanted ), another for another lender when we were checking our options for mortgages, and finally I checked mine for the first time ever today with nationalcreditreport.com, which was only able to retrieve information from XXXX. Equifax and XXXX did n't report. 


My social security number is very similar to my younger brother 's, and as far as I can tell his information is showing up on my report. I have similar problems with XXXX but was able to file a dispute with them. I attempted to file a dispute with Equifax but it asks me XXXX questions about my credit report, I click " none of the above '' because I do n't have credit cards or home loans ( which the questions are about ) and then it tells me it wo n't continue because my answers do n't match the ones it expected from me.