1. Pearls Before Swine
    April 6, 2014 @ 1:27 pm

    The first thing I would do is go to annualcreditreport.com to get a (really) free credit report instantly. You will get 3 different reports from the 3 main credit bureaus. Check the reports to make sure everything listed is stuff you know about and agree with.

    If so, then the mistake is100% on Bank of America’s side and you should be able to resolve it by just dealing with them.

    On the other hand, if you see things on your credit reports that are wrong, then it’s likely you’re a victim of ID theft and that would explain what’s happened. In that case fixing things will be more complicated; the first thing you should do is contact the 3 credit bureaus and tell them what information on your reports is wrong (the reports will include instructions for how to do this).

  2. andy
    April 6, 2014 @ 1:55 pm

    If you have more be thankful and be happy. If you have more then one credit card then you have too many. It could be mistaken identity but you will have to call to find out.