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  1. #1
    Green Member
    Join Date
    Jun 2012
    Location
    San Francisco, CA
    Posts
    8

    Question Unauthorized inquiry but no account, should I be worried?

    Hi everyone, I was just checking my reports and noticed a TU inquiry from GERCB/ JCP, which was JC Penney. I've never been to a JC Penney or applied for credit, so I called GECRB and talked to a security rep who cancelled the app and promised to remove the inquiry.

    The thieves used all of my info, but it had my address. Should I be concerned? Is there anything else I should do? I sent off the extended fraud alert request form to TU, just in case.

    Very weird.
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  2. #2
    Centurion Member
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    Sep 2012
    Location
    Los Angeles, CA
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    The best thing you can do right now is watch your credit report like a hawk and put a fraud alert on all your credit reports for 90 days. Do you live by yourself or with others not trustworthy that might have gotten your information to apply?
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  3. #3
    Green Member
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    Jun 2012
    Location
    San Francisco, CA
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    I live on my own and I shred everything, so the only thing I could think of is outgoing mail theft.

    Unfortunately, they hit 5 other stores in the OC and managed to get cards at each one, which they ran up that day. I'm hoping the fraud alerts stop them.
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  4. Platinum Member Terry's Avatar
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    Sep 2012
    Location
    Texas
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    85

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    Quote Originally Posted by mario1232000 View Post
    I live on my own and I shred everything, so the only thing I could think of is outgoing mail theft.

    Unfortunately, they hit 5 other stores in the OC and managed to get cards at each one, which they ran up that day. I'm hoping the fraud alerts stop them.

    To block all potential credit inquiries, you can also place a credit freeze on all three CRB's for a small fee. From that point forward, if you plan to apply for credit , all you will need to do is unfreeze for the time in question.
    AMEX Gold Card - NPSL [Member Since 1995]
    AMEX BCE ($21,000) - For everyday purchases.
    Chase Freedom Visa Signature ($13,000) & Discover IT ($13,500) - For 5% rotating categories.
    Sears Platinum MasterCard ($8,000) - For 0% financing
    Sears Credit Card ($8,000) - For 0% financing
    Wells Fargo Platinum Cash Back Visa - ($13,000)
    Wells Fargo Personal Line of Credit - ($15,000)

    FICO's
    EX: 765
    EQ: 778
    TU: 777
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