I get at least one credit card application a day at home. Today at work, I got an application for a company card! Apparently, these folks aren't checking with my current credit card lendors.

I particularly enjoy those "Pre-approved" applications. They always have fine print that says "Upon credit approval. . ." What was I pre-approved for? Receiving the offer?

I also get one to three applications for a home equity loan to pay off my debts. I don't own a home! I have always wanted to fill out the form, send it in and see what would happen. Would they stop mailing me?