Hey Everyone!!
I really use some help with my current situation and I'm not sure where to start. I received an alert from myfico on Saturday saying I had new accounts reporting. It listed 2 new accounts, both with a 600 limit and 75 balance. I haven't opened any accounts with those details. There was no bank or company listed; just limit, balance owed and opening date of 2/25/16. Both of these new accounts were listed as reported by TransUnion. I pulled a fresh Trans report and these accounts weren't listed. I thought it could be a fluke or maybe I received another members alerts somehow. I just now received an alert that a new inquiry was done yesterday by Warren Boynton Bank in IL. I don't live in IL and I haven't applied or even heard of this bank. I tried calling them but they're only open to 3 EST.
Is it possible I am somehow receiving someone else's alerts? If those new account were actually added wouldn't I have seen them when I pulled a Trans report on Saturday? If those accounts were opened who do I contact if I can't find the institutions name? Again, the alert didn't mention who the bank was. One account said 'credit card' and the other 'revolving account.' When I contact this bank tomorrow can I just give my social and they will find the application? And lastly, when I pulled my Trans report on Saturday I just pulled the one that came with the $1 free trial, does that make any difference? I know I wasn't able to see the soft pulls lenders do so I didn't have access to the full thing obviously.
Oh, and should I put a fraud alert on my report? I don't want to go through the hassle of its a glitch and I'm getting someone else's alerts or something but will absolutely do if someone is using my info. TIA
