- Posts: 1
- Joined: Wed Dec 19, 2012 4:45 pm
- Location: United States
I do not have credit history, because i am from a different country. I applied for Capital One credit card 3 months back. This is my first credit card. They gave me 500$ credit limit. Last month, when i made a casual call to capital one to check if i would be able to use CC outside states, i learned something which shook my nerves. I didnt have the CC number when i made the call, hence i provided Social Security Number to Capital One so that they can locate my account.
They came up with 2 accounts under my Social Security Number. One of the accounts belongs to me, and the other one doesnt. They blocked my credit card instantly putting into trouble, since i had to pay my utility bills, and i ended up using my debit card.
Capital One asked me documents again showing them the social security number indeed belongs to me, and i am cooperating with them. However, the big question mark here would be:
a) How is that someone be able to open an account with capital one under my social security number? Can this be clerical error?
b) I checked with Social security bureau and they confirmed noone other than myself can technically have the same social. I am worried if there can be issues down the stream, since past activities may have an impact with my credit history or can affect me in some way i am not aware of. Should i be worried about anything else? I submitted my documents to capital one today.
Any help or suggestion is appreciated.