In my case I never had a computer back in 2002, never bought on line but these folks got a hold of my Social Security number some how and used that to apply for the 2 credit cards. They changed my address to somewhere in upper Canada.
I have no PROOF but several months before this happened an Investment Company had several of their Computers stolen containing personal information from several thousand people. Although I did not invest with these people I did give them all my personal information so they could draw up an investment portfolio for my wife and I. Maybe it's a coincident but some piece of SHIT got my info and used it.
In Canada we have 2 Credit Bureaus that totally control everyone's credit rating. These Bureaus are the folks who say yea or nae on all applications for credit in Canada. If you apply for loans, montages, or credit of any kind these people have to OK it.
TransUnion and Equifax are the names. One of these is also used in the USA. These guys set your Credit Score and Credit Rating.
My Advice is GUARD your credit with everything you got! Everyone should check your credit rating in these places every several years to keep an eye on SUSPICIOUS activity being done in your name.
Good luck