Credit Card rejected due to details matching with someone else.

[vicksvirdi85]

Hi,

I applied for VISA card in TD Bank but they reject it by saying that my details are matching with someone else who has a very bad track record. I don't know how this happen. Even now I am not able to get secured credit card. Bank has asked me to call and rectify your problem own your own.

they have given me the toll free numbers of Eqfix ans Transunion.

I don't know how to deal with this problem. I don;t have any relation with the othre guy even my full name along with DOB and parents names are not same. Both according to TD Bank and BMO i faced the same problem.


PLEASE anyone can help me.

 

[badalpharm]

Call Eqfix ans Transunion. Explain the situation, give your full details. May be you are the victim of identity theft.

 

[SenoritaBella]

It could be identity theft or a bill you forgot to pay.
1. Get a copy of your credit report - you get one free a year.
2. Place a fraud alert on your profile
3. If there are items that you dispute, work with them to "clean" it - communicate in writing and keep records
4. Wait 6 months before you apply again

 

[Mike_Thompson]

Very simple. Did you give your SIN number when applying? There can be hundrd of mike thompsons and they dont know how to track the exact person through the system. When you attach your SIN to a credit application, the credit agency is able to locate the file that matches your name, date of birth, address and sin number connected to any other histories related to that number.

If you're still having issues or questions, feel free to email me as I am very experienced in the finance fields of credit, loans, investments etc. etc.