Opening up a c/c in someone else's name

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17thWhitePrince
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Opening up a c/c in someone else's name

Postby 17thWhitePrince » Fri Sep 09, 2016 11:56 pm

So my wife and my father-in-law have both had very recent experiences with people opening up credit cards in their names without their obvious consent. Anyways, my questions are these ...

1. How can that be done without their consent or notification especially when card ships out of state

2. Can someone open up a c/c without a ss#

3. Can someone open up a c/c in a credit card company with whom the person has no current or prior accounts

4. Can we set up some extra security measures (through our c/c companies) to notify us every time a credit card is released in our names

5. Is the only way to make certain no one is opening up accounts in our names and actively using them is by checking our credit reports monthly
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| EX 757 | TU 751 | EQ 745 | Total Credit Limit is $40,350

Only c/c not shown is 'ArtVan' which will be cancelled once it is paid off by Feb 2018

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Tubpbs
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Re: Opening up a c/c in someone else's name

Postby Tubpbs » Sat Sep 10, 2016 5:18 am

You can freeze your credit reports. This basically means that's (I guess with certain exceptions but I'm not sure) no one can apply for any credit without unlocking the reports - and only the real person should be able to unlock them. In theory, if you can't apply for credit, you can't open new accounts.
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takeshi
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Re: Opening up a c/c in someone else's name

Postby takeshi » Tue Sep 13, 2016 7:25 am

17thWhitePrince wrote:How can that be done without their consent or notification especially when card ships out of state

Very easily with enough information on a person to commit identity theft. If the creditor isn't provided the person's correct contact info then how would that person get notified? It's not "out of state" when the other state is provided to the creditor. The person committing identity theft is impersonating the other person so as far as the creditor is concerned they have consent. People move all the time so it's not unusual for a new address to be provided with a credit application.

17thWhitePrince wrote:Can someone open up a c/c in a credit card company with whom the person has no current or prior accounts

If the actual person can open an account with a creditor with whom the person has no current or prior accounts then the fraudster can as well if equipped with enough information.

Your statements seem to assume that the creditor knows that the person opening the account is committing identity theft. You need to look at this from the creditor's perspective and not your perspective where you're aware of the identity theft after the fact.

17thWhitePrince wrote:Can we set up some extra security measures (through our c/c companies) to notify us every time a credit card is released in our names

There's no practical way to set that up with every possible creditor out there. Set up credit freezes as suggested above.

17thWhitePrince wrote:Is the only way to make certain no one is opening up accounts in our names and actively using them is by checking our credit reports monthly

It's not the only way but everyone should definitely check their reports regularly -- at the very least making use of the Annual Credit Report site.

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17thWhitePrince
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Re: Opening up a c/c in someone else's name

Postby 17thWhitePrince » Tue Sep 13, 2016 11:25 pm

That all made sense takeshi =)
Thx for clarifying xD
ImageImageImageImageImage

| EX 757 | TU 751 | EQ 745 | Total Credit Limit is $40,350

Only c/c not shown is 'ArtVan' which will be cancelled once it is paid off by Feb 2018

Future Possibilities - the Discover It card



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