MemberSince99 wrote:They asked those questions because they are things on your credit report that only you presumably would know - they were verifying it was you.
onion wrote:I didn't know vehicles showed up on credit reports. Learned something new today.
Battery111 wrote:I can't imagine why a vehicle would show up on your credit report if you paid cash. I've never seen anything on my credit reports about my vehicles.
CarefulBuilder14 wrote: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.
onion wrote:That makes a lot of sense, thanks for the reply. The only other thing (I may be way wrong and misinterpreting) is that when the agent asked me about my car, I told him about my car, but he acted a bit odd and his tone was slightly different, almost disapproving. He then asked if there was anything else (he specifically asked about cars) and I told him about the motorcycle. His tone changed again, almost as if I had given him the right answer. I'll probably call them up just to ask about it and get a definitive answer, but it definitely sounds like you're right. I'm just wondering if there was anything else.
CarefulBuilder14 wrote:I'm not sure what to make of that. If he was expecting to hear you say the word 'motorcycle', that still doesn't explain how he knew you had one, since you bought it outright.
Maybe you had considered financing the motorcycle, and the dealer did a credit check, but you decided not to use debt? If he saw you had a hard pull from Harley-Davidson, and you said you drove a sedan or SUV, that could trigger an alarm.