How does a credit card company verify the information provided on your application?

Asked about 2 years ago - Moline, IL

My ex husband opened a credit card in my name without my authorization or content, making me a primary account holder and putting himself an authorized user. He charged the card, and now they ask me to pay for his debt. I asked a credit card company how they could open the card without verifying my employment, calling me etc. They said that the information provided matched my credit report or something else. However, when I checked my credit report, my year of birth was wrong and I had to dispute it. Can you tell me what documents, reports credit card companies use to verify the information provided?

Attorney answers (2)

  1. Judy A. Goldstein

    Contributor Level 20


    Lawyer agrees

    Answered . Each credit card company has its own method of verification. You are entitled to close that card if you are uncomfortable,and to dispute any liability for payment. If in doubt, consult with a consumer debt attorney such as the office of Edelman, Combs, Latturner & Goodwin, (312) 739-4200. They are the experts in this field.

  2. Seyed Abbas Kazerounian

    Contributor Level 15


    Lawyer agrees

    Answered . I agree with council. Another recommendation for the Illinois area and ask but that's I know in this field, is Alex Burke

    Kazerouni Law Group, APC is a law firm concentrating its efforts in the area of consumer law, the Fair Debt... more

Related Topics


There are different types of debt, but all involve one person (the debtor) owing money to another (the creditor). Terms of repayment are governed by a contract.

Criminal charges for fraud

Fraud is a white collar crime in which someone deceives another to secure unlawful or unfair benefits, such as financial or political gain.

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