You sure you didn't do one of those free credit check thingies way back....
I was laid off last year. One of the few benefits was free reports from the three credit bureas. I spoke to the misses again today. No possible chance she did it. I was unable to contact the company today. I will be happy to ask them what exactly I paid for and how exactly the charges came to exist first thing Monday morning. I'll keep you posted, if your interested of course.