Regular Contributor
Posts: 182
Registered: ‎05-27-2008

Capital One and Credit Freezes

So I applied for a capital one card, since I am new to credit and recovering from ID theft.

Well apparently I supposedly had an account with them when i was 17 due to the ID theft.

So when I applied for the new card it was an automatic denial, they didn't even pull my reports.

So i called and got that cleared up, I told them to put the application back through, and she said she would make a note of it.

Then I told her about the security freezes, she said it shouldn't stop them or make a difference, they just have to verify I am who I say I am.

So capital one just treats this as a fraud alert?

What's the point of having the security freeze if some companies disregard it?

02/19/2009- TU 709 , EX 684, EQ 694

UTL 34.33% (working on that) Credit History 1 1/2 yrs old And just got a car loan that has yet to report. Ugh, letting credit cool down for the rest of the year.

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