我每个月都会收到TrueIdendity的邮件说
•No new inquiries
•No new accounts opened
in your name
•No public records
今天收到两条alert，一个是Transunion的说 You have a new credit alert. A New Tradeline Has Been Opened。我最近在Fidelity上买过bund，以为是这个。看邮件地址，和我之前收到邮件的地址是一样的就点开了，但是Transunion邮件里的链接跳转到US Bank，网址也是对的。就有点疑惑了，我最近也没在US Bank 开过新卡新户。 就去看了第二条邮件想看看怎么回事。
另一条是 TrueIdentity的说我有credit report change。 TrueIdentity点进去的链接和我直接搜索TrueIdentity的链接也是一样的，但是密码不对（我也好久没登陆过了，想应该是太久不登陆需要换密码，就选forgot password，然后输入了SSN，收到one time passcode，盖密码成功登录）。看到了完整的信用报告，alert里有显示我30号有个新账户，但是点不开详细内容。我退出会再登录还是登不上就慌了，心想不是钓鱼邮件吧。。。
搜索了一下A New Tradeline Has Been Opened. 看到了AMEX的介绍: What Is a Credit Tradeline?
What is a tradeline? It may sound vaguely like something from the world of stocks and bonds, but it’s actually a vital part of credit reporting. In simplest terms, a tradeline is an individual account listing on your credit report.
Each account you have is a single credit tradeline. That’s true whether your payment is current or past due, the account is open or closed, or the account is in your name only or held jointly with someone else. But all tradelines are not identical. They fall into three categories:
- Revolving accounts, such as credit cards or lines of credit. They’re known as revolving because the balance, available credit, and payment due all change as you make purchases and payments.
- Installment loans, such as personal loans, student loans, auto loans, or mortgages. These are accounts in which you borrow a fixed amount and repay it on fixed terms. Some experts consider mortgages a separate fourth category.
- Open accounts, which are payable in full when a buyer receives merchandise or something else of value. These accounts are more common for businesses than for individuals.
信用报告里和US bank有关的是UAR是我唯一一个有outstandinng balance的，难道是这个原因？
搜了一下邮箱地址 [email protected]， reddit上说是scam。
我后面该怎么办啊，是真的被钓鱼了，还是我想多？
