I’m planning on buying a home soon and am beginning to get my ducks in a row. I logged in to credit karma to see what it showed for my score (I know, CK isn’t completely accurate but I use it as a ballpark estimate).
Upon logging in, I see a Best Buy card now in my account that I didn’t open. It was opened in October this year with a balance of over $2k. My score is obviously lower than I expected due to the hard inquiry when it was opened and now my high credit usage from that card plus my regular card combined.
What’s my first step? Do I contact Best Buy and report it as fraudulent? Do I contact one of the credit bureaus? All of the credit bureaus? Will this be able to completely go away and have my score return to what it was/should be without consequences?
Submitted December 04, 2022 at 05:52AM by duobee https://ift.tt/Kvqhf16
