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Today my aunt let me know that she tried to open a line of credit with a credit union she uses in the state she lives in (a different state than I live in). She told me my name came up and they started asking her about ten total questions, such as where I lived, etc. She said it sounded like they were looking for me. Even though I did live in her state over ten years ago, I have never even heard of the bank she's using, and aside from student loan debt, I have no other debt I'm aware of.

Do they have the right to do this? Additionally, could a private student loan company (I have a loan from a terrible company that I cosigned on) have something to do with this (even though they're a separate company) as a scare tactic?

Also checked my credit report; nothing fishy on there.

Very confused since her opening a line of credit has nothing to do with me, and can't call them yet since tomorrow's a holiday. But I've never even heard of a bank doing this.

  • Can you edit the question and add country tag. – Dheer Jan 18 '16 at 6:34
  • Sure, country tag is added now. – user2066134 Jan 18 '16 at 6:36
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    Could it be that the teller was trying to check if she's opening a line of credit to give you money? I believe the law requires the banks to avoid giving money to people when there's elderly abuse suspected. – littleadv Jan 18 '16 at 8:45
  • .. or protect against the fake-ransom scam. I think @littleadv has the right reason. More generally: they can ask most non-predjucicial questions; she doesn't have to answer but they don't have to issue the loan. – keshlam Jan 18 '16 at 9:27
  • Is it possible that when doing a credit check that your data is similar to your aunt's data, and when they said here are 3 addresses have you ever lived at any of them, and one of them was your old address. – mhoran_psprep Jan 18 '16 at 11:23

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