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In the state Of California how long is a business supposed to keep you credit application on file ?


having trouble with a furniture store. a women posed as an employee,i walked in the door, she aproached me and asked if she could be of assistance. i filled out a credit application handed her my drivers liscense she took it to the office and it was processed.
so the next day after i found out she was not an employee of the store ,(she told me herself) i went back in and ask for my credit application back (if i can't leave with the original i would expect a copy, but to still be able to review my original) i was told had been "destroyed". from my understanding the furniture store is to keep the credit applications for 6 months. i belive that the women has left with my credit application and all my personal info. if anyone knows it woul help me out greatly. ...so ... how long is it to stay on file ?

Stop wasting your time with this place with asking for your application. Call the police immediately & press charges for fraud against this lady as well as the store managers for allowing her to impersonate a store employee.

Also, contact an attorney about this to get legal adivce. You may have a decent court case on your hands. Some attorneys will ask for a fee. Choose one that will give you free advice in person with a free consultation, NOT over the phone.

Credit companies keep applications on file usually for no more than 90 days. Most of the actual lenders are out of state. If they offer 6 months, then that's beyond generous. 90 days is the maximum.

Call your credit bureaus & inform them of this incident, whether or not you file a police report for fraud. They will flag your information in the computer system. Also contact your bank or other financial institution about possible fraud on your account. Cancel your debit/credit card(s) immediately & obtain new ones. Most banks can issue temporary ones while you wait for the replacement card(s).

I'm sorry this happened to you. It's obvious this woman has no morals let alone brains or she wouldn't have done this to you.
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