obxfisherman wrote:I'm glad you were able to get things straightened out relatively quickly in your situations. At least the individuals was caught in one of the instances.
Well, at least "one" of the "receivers" of my card info was caught. Not sure whether they caught the "inside man" at the record store who shared/sold my card info. But, there was that one small fraudulent charge that took place in Phoenix ... so maybe that led them to the store employee. I'm reasonably certain that others got my card info, too, but couldn't use it before I had the card blocked.
obxfisherman wrote:Back when I was 18 (i'm 20 now) I was new to credit, not applying for too many cards etc, but I would have these hard pulls show up for a Paypal Extra Card. It never went through, as in it never showed up on my credit report, so I guess the person trying got the 7-10 in the mail deal. Anyway as a result of that I put fraud alert on my reports, and froze all my reports. Perhaps that was overly paranoid, but I'd like to think it helps.
It could also be that somehow, identifying numbers got transposed with another applicant - enough to generate a hard pull, but not get to your report (when they realized the mistake). CRAs sometimes make mistakes (grin).
This is not fraud-related but, back in December 2013, I applied for a PayPal Extras MasterCard - and they gave me the weirdest denial I'd ever seen, "Your identity could not be verified with enough confidence to issue the card." The weird part is that at the same time, I applied for a Walmart Discover Card (which they've since switched over to a Walmart MasterCard). The Walmart Discover card was approved - which was weird because both cards were issued by GE Capital Retail Bank (now, Synchrony Bank). Just to be a pest, I argued with GECRB for about 3 months by mail - asking them to tell me, specifically, why my identity could be confirmed by their Discover Card department but not by their MasterCard department (essentially, in the same building). But their replies were rhetorical mumbo-jumbo and, in April 2014, I finally gave up - telling them to fire the person in their MasterCard department who denied my application because he/she was obviously using "voodoo" criteria upon which the denial was based.
FWIW, I still have that Walmart MasterCard. And they recently bumped my CL from $800 up to $3,300. I also recently got a PepBoys credit card (auto-repair, $1,000 CL) which is also issued by Synchrony Bank.