No. of Recommendations: 0
Yesterday I got handed a piece of mail that had been rained on and opened. It was a credit card application from Capital One Visa in Richmond VA. Natuarally the application form was missing, but the prepaid envelope was still there. Should I call Capital One and inform them not to accept any applications from me? If so does anyone have a phone number for them? Also, are there any other credit defensive moves that I need to make?

Thanks everyone for your answers in advance.

Valerie
Print the post Back To Top
No. of Recommendations: 0
Yesterday I got handed a piece of mail that had been rained on and opened. It was a credit card application from Capital One Visa in Richmond VA. Natuarally the application form was missing, but the prepaid envelope was still there. Should I call Capital One and inform them not to accept any applications from me? If so does anyone have a phone number for them? Also, are there any other credit defensive moves that I need to make?

Valerie,

What a terrible predicament. I would not only call them but also get an address where I could send a letter, certified with return receipt, telling them the same information. Their customer service number is (800)262-1493.

Then, also get a copy of your credit reports in a few months just to be sure Capital One followed your instructions.

Earlene
Print the post Back To Top
No. of Recommendations: 0
Earlene,

Thanks for the number and the advice. It was tedious staying on the line, especially as they told me to call all three credit reporting agencies. The good fallout from this is I'm getting a free credit report mailed back to me from each agency and I'll also have a block on those pesky credit applications. So a silver lining appeared from my befuddlement.

Valerie
Print the post Back To Top
No. of Recommendations: 0
Valerie,

That's good news! Here's hoping there are no nasty surprises on the credit reports.

Earlene
Print the post Back To Top
No. of Recommendations: 0
Yesterday I got handed a piece of mail that had been rained on and opened. It was a credit card application from Capital One Visa in Richmond VA. Natuarally the application form was missing, but the prepaid envelope was still there. Should I call Capital One and inform them not to accept any applications from me? If so does anyone have a phone number for them? Also, are there any other credit defensive moves that I need to make?

Valerie, I'm sure this has been answered already, but YES, call them up! A friend of mine worked as a collector, and this was a common scam. Steal a pre-approved card application, change the address, and run up the charges. Most often he said it was relatives that did this. In the news, a local woman got seven years in jail for this exact scam.

George
Print the post Back To Top
Advertisement