Answer to: Fraud/Credit that does NOT require a credit check

I couldn't think of cases of credit or even fraud that would not require a credit check Check under the scam tag here, there are multitude of examples of various fraud schemes that do not at all require any credit check. Even when it comes to identity theft, it is possible to acquire loans and credit without the lender/creditor pulling the credit report. Creditors may be sloppy, the scammer may have convinced them not to under some pretense, or they were scammed into a fraudulent credit check service or anything else. I would like to know how to protect myself from whatever this extra forms of fraud are. If you could, they wouldn't exist. In the end for every protection mechanism there will be a fraudster who'd find a way to circumvent it. Be vigilant, check your credit reports, make sure you don't completely ignore spam mail (sometimes legitimate notices end up being filtered as spam by email providers), and check your mail and voicemail. Always remember - if it's too good to be true, it probably is. Most fraud relies on the confidence game - trying to convince the mark that it isn't at all a fraud. Human factor is always the weakest link, in any protection scheme.