What are my legal rights and/or remedies if someone applied for a credit card for me but without my permission?

Recently, I visited a motorcycle dealership for a test ride. They asked for my driver’s license and proof of insurance. They also asked for my credit information so as to ascertain my ability to purchase a motorcycle, which was acceptable. However, several days later I receive a credit card in the mail from the motorcycle manufacturer and a credit card company with a $20,000 limit, which I did not ask for nor did I apply for a credit card. I have contacted the credit card company and cancelled the card, however I do not know how or if this will affect my credit score.

Asked on August 13, 2015 under Business Law, California

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 5 years ago | Contributor

If no credit was taken out in your name and no charges made in your name, etc., then you did not suffer any injury for which the court can or will provide compensation: the "injury" or "damage" to your credit score--if any--is so speculative or nebulous in terms of its impact (e.g. how will it affect you? how much? etc.) that the court cannot quantify it sufficiently as to offer compensation.


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