topic Re: What is going on? Unauthorized. in Credit Cards

What is going on? Unauthorized.

lesaheart — Mon, 05 Dec 2011 17:37:09 GMT

I'm applying for a mortgage to be closed this week. This item just showed up less that 5 minutes ago from my account here: GECRB/JC PENNEYS. What is going on? I didn't add any account. in fact I was cautious not to make significant changes to any account.

Re: What is going on? Unauthorized.

Switch2007 — Mon, 05 Dec 2011 17:47:56 GMT

Oh wow... do you have a Penny's card already? Maybe it's just now reporting. I know that they changed their name... so that could be it?

Re: What is going on? Unauthorized.

lesaheart — Mon, 05 Dec 2011 17:52:36 GMT

No. I don't shop there. Never applied for charge cards in a few years and don't want anymore. It says started 11/1/11. I want to close on home first before correcting this issue. I hope this is not going to be a problem. I'm confused.

Re: What is going on? Unauthorized.

SevenNEW — Mon, 05 Dec 2011 18:06:23 GMT

@lesaheart wrote:
No. I don't shop there. Never applied for charge cards in a few years and don't want anymore. It says started 11/1/11. I want to close on home first before correcting this issue. I hope this is not going to be a problem. I'm confused.

That's fishy. I would call the credit bureau. I subscribe to an ID protection service and would call them, but am not sure how one deals with this on one's own. Anyone?

Re: What is going on? Unauthorized.

lesaheart — Mon, 05 Dec 2011 18:11:11 GMT

Yes very fishy but I'm afraid to do anything before closing for fear a dispute would be worse at this point. It doesn't list a limit. The balance states "0". There is nothing but a start date of 11/1/11 and the name of the company. Murphy's Law in full force!

Re: What is going on? Unauthorized.

bostonte — Mon, 05 Dec 2011 18:15:32 GMT

Did you *ever* have a JC Penny card?

I was helping a family member with their credit and a JC Penny card that was last used 15 years ago still shows up as open on their reports. A phone call to JC Penny credit can't locate the account and has no explaination.

GEMB recently started updating reports to GECRB (a name change) so some "alert" sites might see that as a new account or new activity - if that is what happened, it should settle down and fix itself once the changes have time to propigate through.

Re: What is going on? Unauthorized.

lesaheart — Mon, 05 Dec 2011 18:21:50 GMT

My only store card I ever applied for is a Zales card back in 2003. It still shows. Never used it. Maybe I signed up for a card for a promotion during my college days. I don't remember JCPenney's. I have never used a store charge card in my life. Maybe it was something I missed in fine printing deal years ago.

Re: What is going on? Unauthorized.

CreditMuppet — Mon, 05 Dec 2011 18:46:31 GMT

Does anyone in your household, hold a JCP card? or do you share a name that is simular to someone else in your household? Sometimes accounts for someone else (ie; with the same name but a Jr.) can be reported incorrectly.

There's something very wrong here, hopefully your lender will not pull the CRA's prior to your closing.

Re: What is going on? Unauthorized.

namvet — Mon, 05 Dec 2011 19:07:31 GMT

If it were me, I would contact JC Penny and find out the purpose of the inquiry. Most lenders do pull credit again within a week of closing. This inq may or may not cause a problem for you but my guess is it won't unless you are borderline on your middle score. Good luck!

Re: What is going on? Unauthorized.

lesaheart — Mon, 05 Dec 2011 20:06:03 GMT

Thanks for the replies everyone. No, it's just me by this name in the household. I received an alert from my scorewatch and logged on expecting an increase and was surprised by this situation instead. My score dropped 2 points. Lenders checked my account a little over a week ago before the Thanksgiving holiday. I pray I make it to Wednesday. I must be cursed.

Re: What is going on? Unauthorized.

lesaheart — Mon, 05 Dec 2011 20:17:15 GMT

I just called JCP and they could not find anyone under my name. I tried various zip codes and phone numbers; however, I was not comfortable giving them my SS#. They said sometimes the credit bureau is not always accurate and it may be a mistake by the CRA and to contact the credit bureau to have it removed. JCP said they cannot remove it because there is nothing on their end to remove.

Wow.

Re: What is going on? Unauthorized.

namvet — Mon, 05 Dec 2011 20:45:32 GMT

@lesaheart wrote:
I just called JCP and they could not find anyone under my name. I tried various zip codes and phone numbers; however, I was not comfortable giving them my SS#. They said sometimes the credit bureau is not always accurate and it may be a mistake by the CRA and to contact the credit bureau to have it removed. JCP said they cannot remove it because there is nothing on their end to remove.

Wow.
Ok it looks like you got nothing to worry about then. Might want to go ahead and contact the CRA and give them the info and ask for the inq removal.

Re: What is going on? Unauthorized.

lesaheart — Mon, 05 Dec 2011 22:35:01 GMT

Another one just posted! GECRB/WALMART

Identity Theft?

Re: What is going on? Unauthorized.

namvet — Mon, 05 Dec 2011 22:40:40 GMT

@lesaheart wrote:
Another one just posted! GECRB/WALMART

Identity Theft? Kinda looks that way! i would put a freeze on the CRA's.

Re: What is going on? Unauthorized.

SevenNEW — Mon, 05 Dec 2011 22:49:39 GMT

@namvet wrote:
@lesaheart wrote:
Another one just posted! GECRB/WALMART

Identity Theft? Kinda looks that way! i would put a freeze on the CRA's.

Definitely -- do put a freeze, before it's too late!

Re: What is going on? Unauthorized.

LS2982 — Mon, 05 Dec 2011 22:54:05 GMT

Wow yea def. freeze all reports and dispute the INQ's with the bureaus!

Re: What is going on? Unauthorized.

lesaheart — Mon, 05 Dec 2011 22:57:26 GMT

I can't close with a freeze? Or can I? How could this be happening?

Re: What is going on? Unauthorized.

LS2982 — Mon, 05 Dec 2011 23:01:17 GMT

@lesaheart wrote:
I can't close with a freeze? Or can I? How could this be happening?

I would let your loan officier know of the situation and have freeze documents from each bureau and dispute confirmation copies to prove your situation.

Re: What is going on? Unauthorized.

LS2982 — Mon, 05 Dec 2011 23:02:24 GMT

@LS2982 wrote:
@lesaheart wrote:
I can't close with a freeze? Or can I? How could this be happening?
I would let your loan officier know of the situation and have freeze documents from each bureau and dispute confirmation copies to prove your situation.

Its really unthinkable but itsa possible someone close to you got your personal onformation. Or your computer might be hacked.

Re: What is going on? Unauthorized.

lesaheart — Mon, 05 Dec 2011 23:16:22 GMT

I think someone got a hold of paperwork as I first started the home loan process. I called walmart credit card services and it didn't feel right. The more information I gave them, it felt like I was helping the fraud more. Even the fraud department of walmart felt like fraud. I cannot believe all of this is happening at this time of all time.