- Centurion Member
- Posts: 4136
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
Maybe it's a matter of testing you on information that isn't on the credit report.
As one test to see if an identity thief was impersonating you, an issuer could pick a totally random date and ask, "who was born on June 19, 1980?". A lot of identity thieves may panic and answer "my dad" or something like that - and the odds of a coincidence are pretty low.
A lot of people lease or finance vehicles. By asking about your vehicles, and gently implying that you financed them, it relieves them a little when you tell them you purchased them outright. A thief might answer "I got a loan from the bank" without specifying the bank or loan terms. The fact that someone impersonating you would refer to a car loan that doesn't appear on your credit report would alert them to a possible act of identity theft.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
Plan to PC: Prestige to DC
SD with activity alerts, might close: Arrival and Brooks Bros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH