mark hamrick joins us bankrate.com senior economic analyst. to see you, mark. >> thanks for having me. >> nice to have you here. so if you are a wells fargo customer, how do you find out if you've been a victim of this particul scandal? >> you know, you've be given a wake-up call to say what is happening with your account, which, by the way you should be doing all the t but you have a specific reason to do it now. >> or call your branch and say i want to see my records. or even walk into the branch. a lot of wells fargo branches are around in large cities so if you're near one go and initiate a conversation with a real life human being. now say that you' account open that you're not aware of. does it affect your credit rating? it could. first of all, find out whether an account was opened for something you didn't give it's a little harder to open a credit car account without you going through the step and picking up the phone and ought rigz the phone but in either case decide if you want to keep the account open. if you don't, close the account