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  1. Hi, i agree it is extremely dangerous and unethical, but is it actually illegal? I ask out of curiosity since there is a popular financial independence blogger that touts this. If this is actually illegal maybe we should educate him?
  2. Just got a letter from Target that said I will be upgraded to the Target MasterCard in October with a $9K credit limit. Does anyone know if the credit history from the old card will report? Or will this report as a new tradeline?
  3. Thanks for the feedback everyone. I tried contacting CapitalOne and asking them to take these names off their list. The problem was that I got a non-US call center and it took forever just to get one name removed. Plus, who knows if they really did anything. It’s really just an annoyance and I am never sure what to do with this stuff.
  4. Every so often I receive credit card offers from CapitalOne at my address, only they are not addressed to me. They are addressed to other people! Does anyone have any ideas why this might be occurring and how I can get them to stop?
  5. Mine converted to a MC in less than a year back in 2016. Thank you for the feedback. Is there anything in particular that you think may have triggered the conversion?
  6. I am curious if Target ever converts anyone from a Target Red Card to a Target Master Card account? There were some posts about this on the MyFico boards about 1.5 years ago. I recently entered my income into the site so I'll wait to see what happens.
  7. Ive been doing some reading on this scheme. It appears some criminals are using it to create synthetic identities, run up charges, and skip out on the bill. I wonder what the consequences are for the guy on EBay if he unknowingly gets linked to some of these fraudsters? Here is an article about it: https://securityintelligence.com/synthetic-identity-theft-three-ways-synthetic-identities-are-created/ This seems key: Authorized Users The authorized user process is how most synthetic IDs are created. Adding authorized users to an account is legal and allowable by credit card issuers
  8. ...reminds me of Bob. Who is Bob?
  9. Aren’t there consequences for adding a bunch of authorized users you don’t know to your credit cards?
  10. False alarm -- sorry! I pulled the full version of Experian and see the inquiry on there.
  11. I was approved for an Ally Visa Credit Card and just received it. I checked all three credit reports but could not find an inquiry. Is it possible they approved it without putting a hard on any of my credit reports? Am I missing something?
  12. I did call twice and nothing happened that I can see. I'm not sure I have any personal info to update but I'll look into it.
  13. I checked CreditKarma today. I also logged directly into my Experian and Equifax reports. If you do some google searches and searches on this site there are some threads about this situation. I was curious if anyone had recent experience.
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