Wow. 20 credit cards? You hear about a few bogus accounts being opened but that is the most I have heard at a given time. As to why it was possible, the only theory I have is that it's because all the cards were opened over a very short period of time. Credit inquiries take up to 30 days to show up on the report and if this crook opened them all at once, then the different creditors may not be aware other accounts have been newly opened simultaneously. Though I have to question the credit bureaus, because having that many inquiries should have raised a red flag in their system. Although the credit checks were likely spread across all 3 bureaus, many creditors pull from 2, which would mean there's a good chance one or more of the bureaus had well above 10 inquiries made.
Just because it's women's clothes that doesn't necessarily mean it was a women doing it. If someone was doing this to sell the stuff, they might have went for those items because of their higher prices.
As far as the next step. You should first call all 3 bureaus immediately and put a 90 day freeze on your SS#. It can be done quickly over the phone through some automated voice prompts. Next thing to do if you haven't already will be to go to the police station first thing tomorrow and file reports. Make sure you get copies or the file numbers because you will probably have to provide them to these creditors.
There was even some situations that the bank couldn't confirm who I was. My mother maiden name I told the bank was this and they say that wasn't the mother maiden name. So I assume that person took over my account?!
Are you talking about the new bogus accounts or your real, legitimate accounts?
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.
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