I just got a telephone call from a collection agency about my Chase checking account that was opened in August of 2007, and closed in October of 2007 with over $2000 in overdrafts.
Thing is, I don't have a checking account at Chase.
What worries me is the last four digits of the SSN are correct, but the first five were not. And they were asking for my name, but with a "junior" at the end.
Seems like a good time for caution.