What was even scarier was my history of good credit - paying as agreed, no late payments - followed up by the two most recent accounts. Two accounts that are NOT MINE!!!! There is a fourth company that checked my credit which I haven't heard from and isn't on there as issuing credit to this asshole. I'll have to call them to make sure that doesn't happen.
I wonder what would have happened if Chase hadn't realized that the address the person gave on the application was our address from over FIVE YEARS ago???? What would have happened before I even realized this was happening?
With only two fraudulant accounts on my report, it was manageable for me to call them both. I spoke with one and their fraud department had caught on and cancelled it at the end of October. I'm going to call the fraud department there and figure out what tipped them off and make sure I have all the info I can get.
The other company looks smaller (the one in the previous paragraph was Capital One!!! Hey - What's in YOUR wallet? Is it MY CREDIT CARD???????) and only has banker's hours. I'll call them first thing tomorrow morning.
I put investigations on the two accounts that weren't mine, and we'll see what happens.