Identiy Theft?

[N4P4LM]

posting this in the academy to hopefully avoid idots.

Today I got a letter in the mail from Indymac Bank (http://www.indymacbank.com/) that says the following:


Because you may have accumulated debts in addition to the mortgage obtained on your current home, you could qualify for a unique opportunity. Here is our simple offer: combine your mortgage and other debts plus get an additional $29,700 cash in hand for a new payment of 773.50 per month at 6.772% APR. If this amount is lower than your combined payments, please call us immediately.

You may have what it takes to qualify. While we've already done some of our homework, you'll need to talk with an Indymac Bank Home Lending representative at the toll-free number below. A new loan might enable you to skip a mortgage payment and have no out-of-pocket closing costs.

It's definitely worth five minutes of your time to see for yourself that getting back on track can happen. Remember, there's no cost or obligation. Call today!

Your Current Mortgage: $125,000
Additional Cash: $29,700
Proposed Loan Amount: $154,700

and it goes on from there with some stuff about a qualifying credit score, etc.

the thing is, I DONT HAVE A MORTGAGE. so i called the number and the Lending Representative that I spoke with said she had no information about why the letter was sent to me, or where they got any information saying that I have a mortgage. she gave me a phone number and told me to speak with someone in Marketing, and that they would be able to tell me why i recieved the letter. I call that number and it was just the operator, so I asked for marketing, and no one has answered the phone there in the past 4 times i've called.

With one of my credit cards, i recieve free FICO Credit reports online, and my Number of Open Accounts has not changed. What does everyone think...just some marketing bullshit, or should I be genuinely worried that someone has opened a $125k mortgage with my identity?

[stas]

have you checked with the three major credit bureaus? id start there

[Sutterkane]

go to freecreditreport.com and run a check there, but don't ask for credit scores unless you want them, but if you do, it will go on your record as a credit check and your score will go down slightly if you're making any major purchases in the near future (6 months or so). the free credit check without receiving credit scores will show you everything that you have put on credit in the last 7 years or so, including any open accounts or outstanding debt. It's likely that this was just a wrong address of some kind and having the same name as someone else.

[N4P4LM]

have you checked with the three major credit bureaus? id start there

well, the credit card that i get free FICO credit score's from gets them through Experion, and my Number of Open Accounts on that hasn't changed. i'll probably try and look into it more tomorrow, but it's most likely just a fake marketing letter and they think i might have a mortgage.

[stas]

well, the credit card that i get free FICO credit score's from gets them through Experion, and my Number of Open Accounts on that hasn't changed. i'll probably try and look into it more tomorrow, but it's most likely just a fake marketing letter and they think i might have a mortgage.

well if its old, it wont show up as a new account, and heck if theyre paying on it, it generally wont show either. i didnt know this till i got a package from equifax a year ago, but they had an account tied to my name that was opened when i was a year and a half old. it had been kept in good standing, so it never reflected poorly on my credit, but i recently called to dispute it because a month or two ago the balance went up several thousand. could be similar. just another thing to consider.

[sparkz]

I get stuff like this on occasion. Needless to say, I also don't have a mortgage. I've always just assumed that it's some kind of mass-mail thing.

Shrug.

[Zogo]

I've gotten like 10 of those things in a few of my e-mail addresses in the last month.