Credit Karma alerted me to someone opening lines of credit and credit cards in my name at 3 institutions - looking for advice on what I have to do.
Hi everyone,
2 days ago, Credit Karma flagged me with a bunch of alerts asking if I had opened a line of credit and credit card with BMO, and if I had requested inquiries for similar accounts with RBC and CIBC.
I followed their advice and contacted Equifax and Transunion and have filed a dispute with transunion, as well as putting out alerts on any future inquiries.
Is there anything else that should be done? I walked over to my local BMO asking if they had any new accounts for me, and they said they did not have any open accounts when I showed them my ID - but my credit reports indicate the 10,000 BMO line of credit is a bit over balance already.
I don't want to get screwed for not addressing anything soon enough. Is there anyone else who should be contacted? My credit score dropped from 873 to 832 from all this, which is probably the least of it. Someone seems to have my info and is taking out credit anywhere and everywhere. There is an address in Brampton, ON that was added to my credit reports - maybe it is them, maybe it is the address of some other sap who isn't the culprit. Is there a specific authority I contact with this information?
Any advice means a lot to me.
EDIT - thanks to everyone who chimed in. I went back to BMO with my credit union reports and they found the line of credit - the phone number, address, and email were not mine. Not entirely sure why they didn't see it the first time, might have been the fact that only one of my middle names appears on my credit file? Filing with the police, then going back to the banks with the police report (BMO said an active report would help move things along). With the all the info that that showed up on the credit report, I'm hoping they might catch the POS.