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@sherrybaker Thanks for the information. Unfortunately, I can't easily order credit reports online since I no longer have a US address, and they use one's address to confirm one's identity. I can't use a previous address because I'm afraid the current inhabitant will receive mail with my...

@sherrybaker I got my report from Equifax. I read that the reports provided by the Big Three differ slightly from one another. Should that be an issue? I suppose any major red flags would show up on each report regardless.

@sherrybaker Is there any way for me to directly view a digital report? I have to wait nearly a month for this report to come in. I really don’t want to wait that long, especially if this is legitimate and I have 30 days to dispute this.

@sherrybaker I left the States as a young adult with not much credit experience. It's only through this situation that I learned about credit freezing! I'll certainly go ahead and request a credit freeze once my report arrives. In hindsight it's something I should have done years before...

@sherrybaker Thanks for the reply. I’ve requested a credit report, but since I live overseas, they have to send it through the mail. It could take up to a month for it to arrive. Don’t I have 30 days to dispute this claim or request validation? What if my report doesn’t arrive on time?

Hi, I made a similar post in r/personalfinance, but this question is more EU-centered. I've been getting emails from Halsted Financial Services, a debt collection agency, wherein stating that I owed some $6,000 from Citi Bank, and the creditor to which this debt is owed is Cavalry SPV I, LLC...