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o Take When Someone Else Opens a Credit Card in Your Name
1. Alert the Card Issuer’s Fraud Department
The sooner you notify the credit card issuer’s fraud department about potential identity theft, the more likely it is that you’ll avoid lasting damage to your finances or credit. Experian advises you to keep records of who you spoke with and when you called — the process will likely involve multiple communications — and to write down what the fraud agent tells you.
It’s important that you’re on the record early to protect yourself later if a criminal does rack up charges in your name, and the sooner you involve the bank’s fraud team, the quicker they’ll launch an investigation and hopefully prevent that from ever happening.
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2. Change Your Passwords
If a criminal has enough of your information to open a credit card in your name, it’s likely that your other accounts are compromised too — or soon will be. Change your passwords on all your sensitive accounts right away to prevent another attack.
Credit Karma recommends using a password generator instead of choosing a password of your own. Apps like LastPass are designed for that purpose specifically.
3. Pull and Examine Your Credit Report
With the bank’s fraud unit on the case and your other passwords protected, now is the time to contact all three credit bureaus, according to TD Bank — you’ll want to speak to their own fraud departments.
Report the issue and ask for a copy of your credit report, which you’ll need to examine for accounts you didn’t open, credit cards you didn’t apply for and loans you didn’t take out.
Here’s the contact info for all three bureaus:
- Equifax: 800-525-6285
- Experian: 888-397-3742
- TransUnion: 800-680-7289
4. Notify Your Other Financial Institutions
Whether or not you find any discrepancies in your credit report, it’s a good idea to call all of your card issuers, your bank, credit union and any other financial institution that are part of your life, according to TD Bank. It’s important to tell them that you don’t have a reason to suspect fraud with your account with them, but that it’s possible that an identity thief might have your personal data. Here, too, you’re doing yourself a favor by getting on the record early.
5. Report the Incident to the FTC
The Federal Trade Commission (FTC) has a special bureau that exists to handle identity theft cases. Visit IdentityTheft.gov, where the FTC makes it easy to report what happened and get a recovery plan to begin managing the situation.
6. Consider a Fraud Alert
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Frequently Asked Questions About how to open a credit card in someone else’s name
If you have questions that need to be answered about the topic how to open a credit card in someone else’s name, then this section may help you solve it.
How do you get a credit in someone else’s name?
No, in general, you cannot take out a loan in someone else’s name. Doing this is fraud. Instead, you could cosign a loan with the other person. In certain cases, you may have a power of attorney for another person and can sign legal documents for them
Can someone set up a credit card in your name?
Can Someone Make a Credit Card in Your Name? Yes, some can make a credit card using your name if they have the right personal information. You will only realize it if credit card companies call you and demand payments into your account
Is it illegal to open a credit card for someone else?
Opening up a credit card in someone else’s name is identity theft. There’s always a chance the family member is also using your identity elsewhere ? even to commit other crimes
Can I get in trouble for opening a credit card in my husbands name?
Opening a credit card in someone else’s name is illegal, even if it’s your spouse. You and your spouse may share a bank account, and you may know your spouse’s social security number, but opening a credit card in your spouse’s name is technically a form of credit card fraud
Can someone open a credit card with my social?
A dishonest person who has your Social Security number can use it to get other personal information about you. Identity thieves can use your number and your good credit to apply for more credit in your name. Then, when they use the credit cards and don’t pay the bills, it damages your credit.
Can I open a credit card in my sons name?
Note, however, that kids cannot open their own credit card account. Anyone under the age of 18 can only be added as an authorized user on an adult’s credit card account, which doesn’t come with the exact same privileges ? or the liability. With that being said, the short answer is yes.
Can I use a credit card that doesn’t have my name on it?
You can use someone else’s credit card if they let you. But if they don’t give you permission, it’s fraud – and that is a crime. If the card owner reports that card as being stolen or fraudulently used, the authorities will begin an investigation.
Can I open a credit card in my wifes name?
In short, the answer is no: it is illegal for a spouse to open a credit card in his or her partner’s name. This may come as a surprise to some, but there is a simple explanation behind the criminal denotation. You may think that a credit card is just like a shared bank account, but that’s not true.
Can someone open a credit card without a social security number?
The two most popular card issuers for applicants without an SSN are American Express and Citibank. These issuers also both offer cards outside the U.S. and if you have an open account with either issuer in another country, your foreign credit activity will be considered.
Can my dad open a credit card in my name?
Parents are not allowed to open a credit card in the child’s name. That’s identity theft plain and simple but it is done. It’s still illegal. The child usually discovers this after they are an adult and try to get credit legally.
Can I build my child’s credit?
If you’re interested in building your child’s credit before they turn 18, you can explore adding them as an authorized user to one or more of your credit cards. There is no legal minimum age for adding a child as an authorized user, however you should check your credit card issuer’s policies.
Can my mom open a credit card for me?
Strictly speaking, parents cannot open a credit card account for their minor children. Only a person age 18 and over can enter into a legally binding contract, which includes applying for a credit card as the primary account holder.
Will adding my daughter to my credit card help her credit?
Build credit history.
Adding your child as an authorized user can help establish their credit history. Once they’re added to the account (or once they turn 18, depending on the card issuer), the account’s entire history will be added to their credit reports.
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