Nur applied for a car loan at her local credit union and was denied because her credit report said she had recently applied for numerous credit cards. Nur, however, has only used one credit card for her entire life and has always paid it off every month. The last time she remembered getting a credit check was when she purchased her house five years ago, and she has always made those mortgage payments on time. What MOST likely happened in this scenario? Nur forgot about other credit cards she had been using.

The credit report had been fraudulently edited by the credit union employee.

Someone stole Nur’s identity and applied for credit cards under her name.

Nur has always had bad credit and has never been eligible for a loan.