I will not tell you the questions but, three of them were something I would not think anyone would know off a simple credit report.
What High School did you go to? What college did you go to?
One of the questions was multiple choice and where I lived at two different addresses more than twenty years ago.
Now, understand I didn’t get my 1st car loan until 6 years ago and the only reason I got it was the car I was driving died, right in front of the dealership as I was passing it and I needed a car right then and didn’t want to cash some investments for it, which have taken some time to convert anyway.
The only way they could have known those addresses was either from a phone bill or cable bill.
I never applied for a loan during that time and didn’t have one in place.
The other questions I’ll leave out.
The point is where does the information come from? The NSA doesn’t create information or markers in your life. They collect it.
What are their sources? Telephone, cell phone, cable bills? Medical records? Credit reports? ISP’s? Airline tickets? Hotel stays? The list goes on and on.
I should also note that one of the houses a friend asked me to move in while he went to Florida so he could help his dad with some business and paid him a modest rental fee.
No contract and I believe I paid the cable bill each month as it came in and at the time I had a car phone, which I had won while at a telecom conference and didn’t have a landline.
Heck, I even just kept paying the electric bill when it came in.
So I don’t know how they knew that address which also wasn’t listed on any job application. I had been at my job some 5 years and never informed of any address changes.
What are their sources? (Anything on your credit report)
Telephone, cell phone, cable bills? (Yes, from your credit report)
Medical records? (No, not on your credit report)
Credit reports? (Yes)
ISPs? (No, unless they report to the credit agencies)
Airline tickets? (No)
Hotel stays? (No)