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In 2011 I was down and out. I applied for online loan after loan and was denied.

I am now stable, working and repairing my credit.

As of yesterday, I've been bombarded with loan companies responding to applications. I've not applied in 2-3 years.

I am trying to figure out if they are just now responding to my improved credit or if someone is trying to obtain credit/loans in my name.

I've asked for the address of the application I supposedly applied with and they give me the old address I was at almost 3 years ago.

Do you know what is going on?
Also interested in credit repair without a credit repair company.




I do not know what is going on. I can hypothesize lots of scenarios but it may be best to take the safest route. You will need to assume that you are a victim of ID theft.

One of the best resources is

I suggest monitoring your credit. Some free sites are  or They are free but also may be inadequate for what you need is right now. There is a monthly paid one we like our clients to use because of its benefits like $1,000,000 ID theft insurance. It can be found at

It may also be worth the money to place a security freeze on your credit as well.

Finally, a free credit repair source is  

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Chris Ebert


I can answer questions for Texas residents concerning issues that involve creditor and debtor rights. Specifically, I can answer questions concerning: FDCPA, FACTA, FCRA, and Texas state collections violations. Further I can guide consumers as how to repair their own credit with out the need for hiring a credit repair company.


For the last 10 years I have worked as a Sr. Paralegal in a law firm ( that defends debtors against their creditors. I have reviewed thousands of credit reports and under the supervision of our attorney helped thousands of clients resolve their credit issues.

The Ramos Law Firm

University of Texas at Austin

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