Unauthorized inquiry but no account, should I be worried?

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
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mario1232000
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Unauthorized inquiry but no account, should I be worried?

Postby mario1232000 » Sun Feb 17, 2013 11:10 pm

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.


Gamma
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Postby Gamma » Sun Feb 17, 2013 11:14 pm

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?

mario1232000
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Postby mario1232000 » Tue Feb 19, 2013 10:10 am

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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Terry
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Postby Terry » Tue Feb 19, 2013 12:06 pm

mario1232000 wrote: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.
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