What are my rights if a company opened an actual credit card in my name when they only had consent to check my credit for possible qualification for financing?

Get Legal Help Today

secured lock Secured with SHA-256 Encryption

What are my rights if a company opened an actual credit card in my name when they only had consent to check my credit for possible qualification for financing?

Consent was only given to check credit. Credit card was taken with a bank, not even opened directly with the company. No contract was ever signed for the work and no consent to open a line of credit. Contacted the employee and he stated to “cut it up” if I didn’t want the card. I do not think this is legal for them to do, and now I worry about the abuse of our information and this account.

Asked on January 27, 2012 under General Practice, California

Answers:

Daniel Bowen / Daniel D. Bowen, Attorney at Law

Answered 10 years ago | Contributor

If you only gave consent to check credit, it was wrong to open an account.  I am unsure of your damages, if any.  You may wish to check your credit score.  I would write the company a letter requesting that they close the account as well as cuting up the card.


IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

Get Legal Help Today

Find the right lawyer for your legal issue.

secured lock Secured with SHA-256 Encryption