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denied credit app

Discussion in 'BBS Hangout' started by chow_yun_fat, Jul 9, 2008.

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  1. chow_yun_fat

    chow_yun_fat Member

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    my mom who has zero credit history, never uses the internet, never purchases brand name clothes recently received a denied credit app from dillards. i'm 100% sure she didn't apply for it. how do i find information on who tried to apply for the credit card etc?
     
    #1 chow_yun_fat, Jul 9, 2008
  2. threedigithomy

    threedigithomy Member

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    First you would have to request for a credit report, this can be done from you bank very easily. Basically most credit cards belong to three major credit bureaus: Equifax, Experian, and TransUnion. So having a credit report that includes all three is a the best way to go. If you do find something suspicious i would immediately inform my bank of this and they should help you create escalate this.

    here is more info:

    http://www.usdoj.gov/criminal/fraud/websites/idtheft.html

    http://www.ftc.gov/bcp/edu/microsites/idtheft/

    Credit reports offered by many banks are free for the first report and about $12 for subsequent one. Hope this helps.
     
    #2 threedigithomy, Jul 9, 2008
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