- Centurion Member
- Posts: 3756
- 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.
Love: IHG, Platinum, Sallie Mae, AA Plat, CSP
Like: Discover, ED, BCE, Hyatt, Arrival, Freedom
Might drop: BrooksBros, Prestige (Costco PC?)
Might add: Proper business card, CSR, Ritz, Delta Gold
Letting new accounts cool off since May
Really not sure what I'll add next or when