I was almost done cooking lunch when the phone call rang. "Hello, this is Denise from Lending Tree calling to confirm your mortgage application." I politely told her I didn't apply for a mortgage and to please remove me from her list. Three minutes later, another came in. "Hi, this is Tom from Quicken Loans calling to confirm some information with you." A pattern was forming. Alarm bells rang in my head. I decided to dig deeper. "Could you tell me the name on the application