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A quick cross-check would show a match of matthew grace person to phone number. Perhaps even show length of service — A long-time held phone number is going to be less likely to be used in fraud than matthew grace a sparkling new one. So Chase gets a torn-up application, for a pre-filled application which contains a SSN, employer information, and a cellphone number which all match the applicant 100%, plus a mailing address that any fuzzy authentication would give a thumbs-up matthew grace to. Just another person who’s had to move back in with his parents. No wonder they gave him his card. Before you panic and run to Staples forthwith, might I suggest someone try this scientifically? Purchase a pay-as-you-go phone with cash. |
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| Hardly. First of all, unmentioned is the fact that the form requires the entry of a Social Security Number. That’s the primary business key to the whole credit-worthiness system in the US. The author presumably used his own valid SSN. Secondly, the address he used was that of his parents. Depending on the age of the author, he might have lived at that address at some point in his life. That’d be on his credit history. Certainly, there’s a high probability that his parents have the business same surname business as him, so a check of property records wouldn’t throw up any red flags. Thirdly, he used his own cellphone as the contact number. Sadly, it’s not unfeasible that the credit agencies have access to the cell companies’ databases — All cell phone companies perform a credit-check as part of service activation these days. |
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