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Just got off the phone with a cap1 CSR. I mentioned that I never set up a maiden name, and so if I must today, I will just put down a random word that I will remember. He said it HAS to be a mother's maiden name or it will affect the scoring and my credit report. I told him the maiden name is just another form of security, like a password, but he insisted that it will affect my credit report/score.
Can anyone confirm that the maiden name has some sort of relevant to the CR/Score?
No CSR with any company is infallible. Always consider the source, corroborate and validate. Take a look at this and it will tell you how much of your FICO is based on mother's maiden name:
http://www.myfico.com/crediteducation/whatsinyourscore.aspx