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You just learned you have a new credit card account by checking your credit or because a bill collector called you. Problem is that you don’t remember ever applying for it. You must find out what’s behind this new account and how it got there.
Taking Matters Further
What if the credit card issuer is not helpful?
If you’ve been assured that the account will be removed, don’t just take their word; follow up to make sure this was done.
You should not be responsible for any debts incurred by this fraudulent account. Any negative notes on your credit report, related to this account, should be wiped clean.
What if after all that, the account still remains open and you feel the case was not handled properly? File a complaint with the Consumer Financial Protection Bureau. Hopefully you won’t have to hire an attorney, though that’s also a next step.
This content is provided by an external author without editing by Finextra. It expresses the views and opinions of the author.
Oleksandr Strozhemin Co-founder and CEO at Trinetix
13 August
Elaine Mullan Head of Marketing and Business Development at Corlytics
12 August
Abhinav Paliwal CEO at PayNet Systems- A Neo Banking Software Platform
Donica Venter Marketing coordinator at Traderoot
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