Credit History?

Submitted by andee_kitty on Sun, 03/29/2009 - 22:59

How do I find out if a credit card was opened under my name 9yrs. ago? Somebody may have tried and/or succeeded in opening one under my name but I can't get any answers.

Hi andee
If the credit card was opened 9 years ago without your authorization, then the person who has opened the card must have done so to make unauthorized transactions or in other words to misuse your card. Now, if there is unauthorized transactions made by somebody using your card, which has not been repaid, then it will reflect in your credit report as a delinquent account. So, if you pull out your report, you can be sure whether any such card has been opened in your name or not.

Mon, 03/30/2009 - 07:20 Permalink

Yes, I agree with Carol. You can pull out your credit report and check it. However, I don't think that there is any other way out by which you can track whether there is a credit card opened 9 years back.

Mon, 03/30/2009 - 07:36 Permalink

9 year ago !!
This is very long period but you need to know that the person who opened your card 9 years ago If he made unauthorized transaction by your Credit Card.
You need to contact you credit card provider for more information.

Mon, 03/30/2009 - 08:01 Permalink
Andee (not verified)

Thank you all. This is a unique situation because I would have been about 14 at the time. I was looking at information online about my credit card because my credit card (wamu) switched to chase. I do my payments online. I noticed an address under my name with no account listed for it. It was the address of my grandmother from about 9yrs ago. My sister, who lived with my grandma at that time, did some bad things with credit cards and such. My grandma could have co-signed for the card or something, I don't know. It just seems that maybe she could have opened or tried to open one under my name. I called my credit card company and after being transferred through a million people, they still did not answer my question. My grandmother eventually went bankrupt. I'm not sure if I will ever find out :-(

Tue, 03/31/2009 - 02:28 Permalink

ANDEE......OMG!! if this is true, I really 'feel' for you. What you may want to do is send a letter to the CC company stating your age, at the time. Obviously, if you were 14 at the time, you couldn't have done this. Maybe your CC company can put some kind of 'trace' on it for you, so you can find out. If I was in your 'position', I don't know if I would want to find out, either. ..especailly if you know it was (possibly?) a family member who did this.

Tue, 03/31/2009 - 10:03 Permalink

I don't think that anybody has opened a new line of credit, because if they have done so, they would have misused the card, which would have been reflected in your credit report as Carol said. Moreover, if you think that you have been a victim of identity theft, you can register with the bureaus for fraud alert service. The Fraud alert service remains active for an initial period of 90 days.

Wed, 04/01/2009 - 06:44 Permalink

Credit history or credit report is, in many countries, a record of an individual's or company's past borrowing and repaying, including information about late payments and bankruptcy. The term "credit reputation" can either be used synonymous to credit history or to credit score.
In the U.S., when a customer fills out an application for credit from a bank, store or credit card company, their information is forwarded to a credit bureau. The credit bureau matches the name, address and other identifying information on the credit applicant with information retained by the bureau in its files.
This information is used by lenders such as credit card companies to determine an individual's credit worthiness; that is, determining an individual's willingness to repay a debt. The willingness to repay a debt is indicated by how timely past payments have been made to other lenders. Lenders like to see consumer debt obligations paid on a monthly basis.

Tue, 05/19/2009 - 08:08 Permalink


I have read it that Foreclosures stay on your credit report a lot longer. If you’re planning to buy another home in the future, a short sale will make it easier. If you’ll be renting a place after a foreclosure (""), your options will be severely limited, and the process can be complicated.

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Tue, 05/19/2009 - 09:32 Permalink