Credit Card App shops -- name not blocked

So last week I completed a series of credit card application compliance audits for an MSC I've had a good relationship with. They were supposed to have notified the bank to block my name so the applications would not go through. Today's mail brought notice that I'm receiving the credit card, so either the MSC did not do their job or the bank did not do theirs.

A--I don't want it, B--there is an annual fee (so I wouldn't have applied for it anyway), and C -- A bit concerned about what this will do to my credit score and car insurance rates.

I've emailed the scheduler and expect to hear back on Monday.

Has this happened to anyone before, and how has the MSC handled the situation?

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I have done these 6x for one airline that provided a fake SS# and they never went through (or they pulled the application like they said).

I did 3x for another airline, using my real info, as told to, with the understanding the application would be pulled. I got 2 of the cards and was denied on #3 because "I was already a card member". Took weeks of calling the mystery shop company to call the credit card company to get them cancelled. I never looked to see if it dinged my credit.

I recently took 3 more of those same shops. I used all my real info BUT I entered fake SS# on all three applications. I used three different numbers. Guess what? I got two cards in the mail and a denial letter for the third because I was already a card member. So the application was not removed as described, and I got two credit cards while using fake social security numbers. It again took weeks to get the shopping company to resolve with the credit card company.

I will not be doing these again.

I would be raising all sorts of heck on Monday morning. Obviously your credit has been 'hit' already if you are approved and I'm not sure that bell can be unrung. What you don't want is for them to kill the credit card by 'declining' to offer you credit because that would look wrong as well.

If it were me, I would look at having the MSC/client pay me now for 2 years of the annual fee and cancel the card towards the end of year one. Being approved for a credit card is not a terrible hit to your credit. Cancelling a card is not a terrible hit to your credit. This would probably be the least damaging way to handle the mess they have created and do beware of shops that may impact your credit.

Using your real name with a fake SSN is a very bad idea. Your credit report will track any address, work, phone number variances attached to your name. A SSN variance is traceable and could show up on your report, just like an alias would.

Your SSN is not something every company verifies. Some just look at income, time on job and residence.

My posts are solely based on my opinions and for my entertainment, contact a professional if you need real advice.

When you get in debt you become a slave. - Andrew Jackson

isaiah, I'm wondering how the card got issued with a fake SS#.

"I told myself to quit you; but I don't listen to drunks." -Chris Stapleton

What a crapload of a mess. Thanks for the warning. I'll not being doing any of these.

I have done plenty of the shops where I enter a fake SS # and my real name. I check my credit pretty regularly and have never once seen anything show up. I think I have done close to 25 of these shops.

It's not considered any sort of crime or fraud to give a fake SS#? Just because nothing happened to you doing it, is it still a wise idea, and could there be possible repercussions for another individual who does the same? Not worth the risk, in my opinion.

@turfman wrote:

I have done plenty of the shops where I enter a fake SS # and my real name. I check my credit pretty regularly and have never once seen anything show up. I think I have done close to 25 of these shops.

Supposed you just happen to enter MY SS# when entering a fake #???? I don't think I'd appreciate it very much!!

There is a difference between the client providing a fake SSN and just making one up. Unless there is an agreement in place, by providing a fake SSN you are committing a Federal Offense. Read the disclosure, you are stating that you are providing true and accurate information. A client that provides a fake SSN is supposed to have programmed their system to treat the application as a test and not complete the issuance step. Again, not all credit checks require a valid SSN. No credit is good enough for many basic cards, as long as your income is sufficient.

My posts are solely based on my opinions and for my entertainment, contact a professional if you need real advice.

When you get in debt you become a slave. - Andrew Jackson

Edited 1 time(s). Last edit at 07/26/2016 01:43AM by isaiah58.

I have never taken these jobs, too much can go wrong, your in the hands of someone you don't know (MSC), I hope this will be resolved, and I would try and get the MSC to reimburse you for $ you lose, then you can cancel the card. I'd call, an email can be ignored. Good luck!

Live consciously....

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Credit Card App shops -- name not blocked

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