topic Re: WHAT THE FISHSTICKS!! in Credit Cards

WHAT THE FISHSTICKS!!

BearsAndTurtlesRtheBest — Wed, 28 Nov 2012 19:36:43 GMT

Okay so I decided to apply for the Fingerhut credit card Im 18 with no credit at all and no income. So I applied last night and go the 30days message so Today I log into my gmail and see an email from equifax.com stating that an inquiry has poped up in my dads report. When he hasnt even applied or credit since may 2012. We were thinking maybe it was this agency we are dealing with that is helping my parents lower their APR on mortagage and they told us that they were going to do a credit check(and maybe thought it was them doing the pull). So I logged into equifax.com and check out the alert. I was an inquiry from Finger hut!!!! WHAT!!?!?! Yes my dad and I have the same name and everything but not the same SSN #. What happened?? Would anyone have a clue? Thats he why I cant be added to my families accts as an AU beacuse it will automatically report to my dads credit. AGAIN our ssn# is completely different why would they oull his report?

Re: WHAT THE FISHSTICKS!!

distantarray — Wed, 28 Nov 2012 19:40:18 GMT

@BearsAndTurtlesRtheBest wrote:
Okay so I decided to apply for the Fingerhut credit card Im 18 with no credit at all and no income. So I applied last night and go the 30days message so Today I log into my gmail and see an email from equifax.com stating that an inquiry has poped up in my dads report. When he hasnt even applied or credit since may 2012. We were thinking maybe it was this agency we are dealing with that is helping my parents lower their APR on mortagage and they told us that they were going to do a credit check(and maybe thought it was them doing the pull). So I logged into equifax.com and check out the alert. I was an inquiry from Finger hut!!!! WHAT!!?!?! Yes my dad and I have the same name and everything but not the same SSN #. What happened?? Would anyone have a clue? Thats he why I cant be added to my families accts as an AU beacuse it will automatically report to my dads credit. AGAIN our ssn# is completely different why would they oull his report?

sometimes someone of a simliar name gets reported instead, twin brothers family members etc always can have problems.

you can't be added to family acounts cause it'll report to your ads credit? nope your dads credit will show up on your report not vice versa if he adds you on his account. nothing you will or can do will affet his credit report unless you charge up his bills. if he doesn't give you a car his liability is next to nothing in 99% of cases.

Re: WHAT THE FISHSTICKS!!

improvingmycredit — Wed, 28 Nov 2012 19:41:24 GMT

@BearsAndTurtlesRtheBest wrote:
Okay so I decided to apply for the Fingerhut credit card Im 18 with no credit at all and no income. So I applied last night and go the 30days message so Today I log into my gmail and see an email from equifax.com stating that an inquiry has poped up in my dads report. When he hasnt even applied or credit since may 2012. We were thinking maybe it was this agency we are dealing with that is helping my parents lower their APR on mortagage and they told us that they were going to do a credit check(and maybe thought it was them doing the pull). So I logged into equifax.com and check out the alert. I was an inquiry from Finger hut!!!! WHAT!!?!?! Yes my dad and I have the same name and everything but not the same SSN #. What happened?? Would anyone have a clue? Thats he why I cant be added to my families accts as an AU beacuse it will automatically report to my dads credit. AGAIN our ssn# is completely different why would they oull his report?

Hey BearsandTurtlesRtheBest! What a name! LOL

Unfortunately, this happens a lot. There are actually some goods to this. All that your dad must do is dipute the inq to have it removed. They should do it NP. Second, this means probably no inq for you on your report and probably an approved account. The down side, with a mortgage refi for your dad, he will have to go through the ropes of explaining this, but it shouldn't affect things to drastically. Best of luck. Sorry that companies do this. My brother and dad have the same names and I am constantly having to correct info on their reports because of it.

Re: WHAT THE FISHSTICKS!!

distantarray — Wed, 28 Nov 2012 19:48:11 GMT

unless your dads credit was on 640-646 or 720-726 your dad should be fine. inquiry doesn't hurt much if any in most cases, only if people are on borders of tiers will ever get affected enough to care from 1 extra inquiry.

Also your on this site you should know better than to get a fingerhut account! Get a secured credit card that'll unsecure (graduates) DCU is a great choice Digital credit union. They give you a free monthly Fico score Equifax 04 score (one you want) and they work with people building and rebuilding credit and great place for mortages and car loansin the future they got a program that can save you 1 payment a year.

Re: WHAT THE FISHSTICKS!!

improvingmycredit — Wed, 28 Nov 2012 20:01:16 GMT

@distantarray wrote:
unless your dads credit was on 640-646 or 720-726 your dad should be fine. inquiry doesn't hurt much if any in most cases, only if people are on borders of tiers will ever get affected enough to care from 1 extra inquiry.

Also your on this site you should know better than to get a fingerhut account! Get a secured credit card that'll unsecure (graduates) DCU is a great choice Digital credit union. They give you a free monthly Fico score Equifax 04 score (one you want) and they work with people building and rebuilding credit and great place for mortages and car loansin the future they got a program that can save you 1 payment a year.

But still dispute and get it removed from your dad's file. No need for his report to be inaccurate.

Re: WHAT THE FISHSTICKS!!

CreditWorld2013 — Wed, 28 Nov 2012 20:25:14 GMT

@BearsAndTurtlesRtheBest wrote:
Okay so I decided to apply for the Fingerhut credit card Im 18 with no credit at all and no income. So I applied last night and go the 30days message so Today I log into my gmail and see an email from equifax.com stating that an inquiry has poped up in my dads report. When he hasnt even applied or credit since may 2012. We were thinking maybe it was this agency we are dealing with that is helping my parents lower their APR on mortagage and they told us that they were going to do a credit check(and maybe thought it was them doing the pull). So I logged into equifax.com and check out the alert. I was an inquiry from Finger hut!!!! WHAT!!?!?! Yes my dad and I have the same name and everything but not the same SSN #. What happened?? Would anyone have a clue? Thats he why I cant be added to my families accts as an AU beacuse it will automatically report to my dads credit. AGAIN our ssn# is completely different why would they oull his report?

If you don't mind be asking...how did you plan on getting approved without credit/income

Also I saw on the Kohl's CLI thread that you said you have a Kohls card with an $800 limit.

Fishticks is right because something is definetly fishy

Re: WHAT THE FISHSTICKS!!

navigatethis12 — Wed, 28 Nov 2012 21:08:42 GMT

Having the same exact name is a pain. I have the same first, middle, and last name and we get mixed up all the time. Sometimes his stuff shows up on my reports, but never my stuff on his. I reckon once our addresses are different, it will not be as easy to get it mixed up, but it is still very annoying. I even put Jr. in the "suffix" part and it is frequently ignored. I usually now will put it in last name box, so that it will actually be recognised by the system.

@distantarray wrote:
unless your dads credit was on 640-646 or 720-726 your dad should be fine. inquiry doesn't hurt much if any in most cases, only if people are on borders of tiers will ever get affected enough to care from 1 extra inquiry.

It's probably more about the fact that it gets mixed up. Social security numbers are supposed to be what makes sure they have the right person, so if the numbers are different, how could the wrong file be looked at?

Re: WHAT THE FISHSTICKS!!

distantarray — Wed, 28 Nov 2012 21:20:28 GMT

to cut corners or time people don't have to input all the info to find a person, think of Google's feeling lucky button with a few basic info lol people process hundreds a day so they're not going to take the time to process everything correctly if it's 99% accurate.

Re: WHAT THE FISHSTICKS!!

Anonymous — Wed, 28 Nov 2012 21:26:19 GMT

@BearsAndTurtlesRtheBest wrote:
Okay so I decided to apply for the Fingerhut credit card Im 18 with no credit at all and no income. So I applied last night and go the 30days message so Today I log into my gmail and see an email from equifax.com stating that an inquiry has poped up in my dads report. When he hasnt even applied or credit since may 2012. We were thinking maybe it was this agency we are dealing with that is helping my parents lower their APR on mortagage and they told us that they were going to do a credit check(and maybe thought it was them doing the pull). So I logged into equifax.com and check out the alert. I was an inquiry from Finger hut!!!! WHAT!!?!?! Yes my dad and I have the same name and everything but not the same SSN #. What happened?? Would anyone have a clue? Thats he why I cant be added to my families accts as an AU beacuse it will automatically report to my dads credit. AGAIN our ssn# is completely different why would they oull his report?

Well this can't/shouldn't be legal. And should be an easy fix for your dad to dispute and get corrected.

This can and does happen a lot with CA and with ppl with simular names. And if this is a Sr. Jr. III. sort of thing you aren't the only one to have had this happen.

But, IMO, this isn't a CA. This is consumer requested credit. So something needs to be done about this right away! Because similar name or not, different SSNs should not create this sort of mess. I'd have your dad disupte with the CRAs.

Also, maybe you can go to annualcreditreport.com and run your reports so that maybe the CRAs will pick you up. Or try to submit an Update to your Address with the CRAs and make sure to use the name you use and maybe that will help create your own CR files.

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Also, am I the only one who has no idea what Fingerhut is? For the longest time, i thought ppl on here were misspelling PizzaHut lol!! ←Must be a regional thing, cuz i've never heard of it haha!

Re: WHAT THE FISHSTICKS!!

distantarray — Wed, 28 Nov 2012 21:34:54 GMT

finger hut is a overpriced catalog shop i don't think they actually have a real store.

Re: WHAT THE FISHSTICKS!!

Anonymous — Wed, 28 Nov 2012 21:49:36 GMT

@distantarray wrote:
finger hut is a overpriced catalog shop i don't think they actually have a real store.

Ahh. Thanks for clearing that up

Re: WHAT THE FISHSTICKS!!

BearsAndTurtlesRtheBest — Wed, 28 Nov 2012 22:51:50 GMT

@distanarray Oh no what i meant is that everytime my mom or sister adds me as an AU onto their credit cards it reports to my dads report and not mine since I dont have a credit history.

Re: WHAT THE FISHSTICKS!!

BearsAndTurtlesRtheBest — Wed, 28 Nov 2012 22:54:07 GMT

@improvingmycredit LOL thanks! Yea he wil have to dispute it ASAP, and oh boy I can already tell having similar names might cause some issues in the coming future with credit. Oh well

Re: WHAT THE FISHSTICKS!!

BearsAndTurtlesRtheBest — Wed, 28 Nov 2012 23:01:51 GMT

@CC365 Im sorry I already explained my story in a other post. I was pretending to be my parents asking questions on my fico so I speaked as if I was my dad or mom talking abou their issue . I have stopped that and began to just explain in detail. There is nothing fishy anymore And I am very desperate to begin my credit since I just turned 18 on THE 23RD OF THIS MONTH. I know Fingerhut isnt the best way to begin but unlike my sister who began her history doing a joint acct with my father, and currently none of my parents can do the same for me because I have no income and currently UTL is high, and dont want to go through that secured credit card process Plus on th finger hut app it said $1-10k in annual income so I thought what theh heck they report to all three bureaus so I gave it a shot and now look what happened lol

Re: WHAT THE FISHSTICKS!!

calihlove75 — Wed, 28 Nov 2012 23:03:16 GMT

@BearsAndTurtlesRtheBest wrote:
Okay so I decided to apply for the Fingerhut credit card Im 18 with no credit at all and no income. So I applied last night and go the 30days message so Today I log into my gmail and see an email from equifax.com stating that an inquiry has poped up in my dads report. When he hasnt even applied or credit since may 2012. We were thinking maybe it was this agency we are dealing with that is helping my parents lower their APR on mortagage and they told us that they were going to do a credit check(and maybe thought it was them doing the pull). So I logged into equifax.com and check out the alert. I was an inquiry from Finger hut!!!! WHAT!!?!?! Yes my dad and I have the same name and everything but not the same SSN #. What happened?? Would anyone have a clue? Thats he why I cant be added to my families accts as an AU beacuse it will automatically report to my dads credit. AGAIN our ssn# is completely different why would they oull his report?

Why would equifax send you an email about an inquiry on your dad's account? Do you share an email account too?

Re: WHAT THE FISHSTICKS!!

BearsAndTurtlesRtheBest — Wed, 28 Nov 2012 23:03:26 GMT

@ccnewcc WILL DO!

Re: WHAT THE FISHSTICKS!!

BearsAndTurtlesRtheBest — Wed, 28 Nov 2012 23:04:58 GMT

@ccnewcc LOL!!!!! PIZZA HUT you just made my day, and dont worry finger hut is very over priced and not worth having their credit card or even shopping with them.

Re: WHAT THE FISHSTICKS!!

BearsAndTurtlesRtheBest — Wed, 28 Nov 2012 23:06:27 GMT

@calihlove Basically my email is used for everyhting when email is requested.

Re: WHAT THE FISHSTICKS!!

CreditWorld2013 — Wed, 28 Nov 2012 23:18:19 GMT

@BearsAndTurtlesRtheBest wrote:
@CC365 Im sorry I already explained my story in a other post. I was pretending to be my parents asking questions on my fico so I speaked as if I was my dad or mom talking abou their issue . I have stopped that and began to just explain in detail. There is nothing fishy anymore And I am very desperate to begin my credit since I just turned 18 on THE 23RD OF THIS MONTH. I know Fingerhut isnt the best way to begin but unlike my sister who began her history doing a joint acct with my father, and currently none of my parents can do the same for me because I have no income and currently UTL is high, and dont want to go through that secured credit card process Plus on th finger hut app it said $1-10k in annual income so I thought what theh heck they report to all three bureaus so I gave it a shot and now look what happened lol

Oh I feel better now. I thought you were just plucking numbers out of a money tree making a bunch of applications, etc. I'm glad to know you like learning about credit! I will say this, be careful with applying and stating income that can't be proven if asked as that's a good way to ruin any credit you may build. Not to mention the legal aspect of commiting fraud. Keep that desire strong and you will have great credit in the future

Re: WHAT THE FISHSTICKS!!

distantarray — Wed, 28 Nov 2012 23:29:05 GMT

@BearsAndTurtlesRtheBest wrote:
@CC365 Im sorry I already explained my story in a other post. I was pretending to be my parents asking questions on my fico so I speaked as if I was my dad or mom talking abou their issue . I have stopped that and began to just explain in detail. There is nothing fishy anymore And I am very desperate to begin my credit since I just turned 18 on THE 23RD OF THIS MONTH. I know Fingerhut isnt the best way to begin but unlike my sister who began her history doing a joint acct with my father, and currently none of my parents can do the same for me because I have no income and currently UTL is high, and dont want to go through that secured credit card process Plus on th finger hut app it said $1-10k in annual income so I thought what theh heck they report to all three bureaus so I gave it a shot and now look what happened lol

Try going in with your dad to Macy's IN STORE IN PERSON. Have your dad's info on top as the Primary applicant if your dad's credit score is higher than a 720 your credit report won't even be looked at, no hardpull no check no nothing on your credit account and you'll get 2 accounts for the price of one

Macy's Store account and Macy's Amex for purchases outside the store both on one card. This is only exclusive to Macy's or Nordstroms.