Unauthorized Users: Run That Credit Report!

I received an alarming email today from Credit Karma:

The same thing happened to my brother yesterday:

This was very odd, I have not added a new AU nor have I let anyone add me as an AU. I found it to be easier just to give my wife my card or use my wife’s card online.

When I logged into Credit Karma I found nothing new, nor did my brother in his. So we went ahead and ran my annual credit report and was surprised to find that it had become 61 pages long!

I did not find any new AUs listed or myself listed as an new AU. The same thing happened for my brother who called and spoke with Chase only to find no new AU account was created. I suspect that since Chase changed its name to JPMCB, that somehow triggered this alert for an existing AU account:

Although it was frustrating, I got some interesting new insight on the MLA. At the bottom of the report was this statement and this text:

The Military Lending Act provides important safeguards to Active Military personnel and their dependents. Under the Military Lending Act (MLA), if you are an active duty member of the armed forces or are on active Guard or Reserve duty, you cannot be charged an interest rate higher than 36% on some types of consumer loans. It also protects your spouse and certain dependents.

To assist financial institutions with complying with this requirement, TransUnion receives information about an individual’s military status from the U.S. Department of Defense through their data center known as the DMDC (Department of Defense Manpower Data Center). When potential lenders request your credit file from TransUnion, they can also request this information. 

The identifying information that appears on your TransUnion credit file is considered a potential match to information listed on the U.S. Department of Defense database. 

For more details regarding the DMDC, please contact: dodhra.dodc-mb.dmdc.mbx.mla@mail.mil

For more information concerning the above messages, visit http://www.transunion.com/customer-support/faqs/support

I also found out that a lot of business hit up your credit to send out offers:

Pretty much every junk mail item came from one of these places listed above. Has anyone out there gotten a weird email about being added as an AU?

-Derp

2 thoughts on “Unauthorized Users: Run That Credit Report!

  1. Dave says:

    It’s the Chase name change. I’ve gotten alerts for AUs and new auto leases without anything different on the report.

  2. JJ says:

    I got the same email and came up with the same chase conclusion

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