<prompt> Human: So title says my main concern, I woke up to a denial letter from Road Loans this morning saying my application had been denied, but I never have applied for a loan in my lifeother than student loans. It is asking for a login to check my decision decision letter and my password is the last 4 of my social, so at first I thought it was just an attempted spearfish but they seem to be a legit lender.Additionally i checked my credit score with mint after the fact and my credit took an over 30 point hit. From a 740 to a 698. That fucking pisses me off. Now I recently financed a ring 6 months no interest, from Shane and through Wells Fargo so I seriously doubt that its the cause for the hit to my credit score. To me it sounds like someone is applying for loans under my name. What do I do? How do I stop this? How do I get this off my credit score and get it back to where it was?Thanks.  <response>: Reposting...If the rejection letters are going to your email address, then someone is likely scamming referral services. They are submitting apps with your info and claiming a referral payment from an intermediary referral service.This is likely not identity theft, although its still a good idea to pull a credit report. The thieves are using your data to rip off the referrers, not steal your identity. Its actually still decently profitable, and WAY less illegal, so a lot of crooks love to do it cause if they are caught the penalties are much less severe.Also, these kind of scams go WAYYY up around Christmas time. Like orders of magnitude up.After confirming nothing shady is on your credit, you should call up the number on one of the rejection letters and ask for the source of the application. They will give you that, and a number to call. Call those people, and they will tell you which referral service they submitted it to. Get that number, call the referral service, and tell them what happened. They will blacklist your name and cancel any pending and future referrals they get. Remember, they are the ones getting ripped off.This has happened to me twice now, and while scary, its likely nothing is actually impacting or affecting you 