Someone opened an account under my name

[Lvmont]

Morning guys, I was looking through my EXP credit accounts and I noticed a new account hit my CR. I never opened this account, it's a Credit First account for like FireStone tires. 

Someone opened it back in 9/2022 and it just hit my credit couple days ago. It says that I'm a authorized user on that account which makes no sense because I never signed anything. I filed a fraud dispute this morning hoping to get it off my credit.

But the good thing is whoever opened it has been making on time payments for the past 6 months. 

Anything I should do? Has anyone used this credit account before?

[Creditwiser]

As a point of interest, CFNA ( for me ) was a shopping cart trick if I recall correctly. It was one of my first post BK Disch.  Glad you caught it and lucky to have some scammer making their payments on time   Good luck with getting it taken care of.

[Yasselife]

Paying $10 for Experian's credit lock is worth it to me, and hope you consider it for the future. Transunion and Equifax(creditLock) are free. That's the very first thing I would do now.

@Lvmont 

[GZG]

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@Yasselife wrote:

Paying $10 for Experian's credit lock is worth it to me, and hope you consider it for the future. Transunion and Equifax(creditLock) are free. That's the very first thing I would do now.

@Lvmont 

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freezes are completely free, I would definitely freeze or lock your reports immediately as a first step

https://www.equifax.com/personal/credit-report-services/credit-freeze/ 
https://www.transunion.com/credit-freeze 

https://www.experian.com/freeze/center.html 

[Lvmont]

My credit has been locked for years. They probably got lucky and applied while my account was unlocked when I was applying for a auto loan.

[mitchblue]

If you're an authorized user, maybe a family member or friend got the card and authorized you. Or am I missing something?

[CYBERSAM]

@Lvmont  IF its only AU then you got added to someones account, so account was not opened under your name!

You can remove yourself as AU easy and most likely there is no fraud! (Hopefully 🤞)

In many cases you don't even need persons SS to add them as AU. Perhaps it was simple mistake by a bank!

But now you got to watch your reports like a hawk! What a pain that is...

[Rogue46]

I guess the obvious question is if it was a scammer why in the world would they add you as an AU and make perfect payments? That's not usually how scammers work..  It sounds like a relative or someone you may know.

[OmarGB9]

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@Rogue46 wrote:

I guess the obvious question is if it was a scammer why in the world would they add you as an AU and make perfect payments? That's not usually how scammers work..  It sounds like a relative or someone you may know.

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Agreed. Scammers aren't generally in the business of opening new accounts and paying the bill on time. lol.