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cadavis0609 wrote:I appologize, I was under the impression that lenders don't like to see fraud alert on your accounts.
If lenders over extend credit to you it might scare them in to pulling back credit was my thinking to protect them selves from fraud if they know it's happening. But I have never heard of an FA doing this! It can make it more difficult to get new accounts "sometimes" if a lender doesn't feel like making the effort to call you to verify.
Actually I hope this was an error on the credit card company. The fact that they are paying the bills scares me a lot! If this is the case. Probably an error on the CCC and not your account. If inactive for so long they may have "Reused/Recycled your account number". There is another type of identity theft where they build up a history using your name not to make money from your credit but to generate a long history of bills to their address to show they are receiving mail as you. Not to get money. Then they use your name to receive bigger packages that were bought with other peoples stolen credit cards. It's a much bigger scam. I really hope this is not the case. But your in luck! A simple F/A should put it to rest. An ID thief won't want to keep using your name if there is a fraud alert. It makes this address dangerous to them because it is more so unusable in the future. A FA would give away their scam. They stop and switch to another name.
I would put an FA on right away. Double check with the CCC to see if they didn't recycle the CC number. It could also be just a simple mistake. But if not a mistake I would also consider a police report so if any thing happens later with your name it won't come back to you. But the FA will stop them in their tracks if an ID thief knows that you know. Good luck.My ID thief hasn't done anything with my info. Mine was taking mail from my mail box. Only a group of people has access to the mail box, so after it was reported, all people were notified that had access and it stopped. It's creepy, because I don't know exactly who it is, but they have credit reports, bank statements, debit cards(canceled), credit cards(canceled), and all other personal info on me. But they know I know and it will lead back to them if used. I watch my credit like a hawk now.
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