[ghshephard]

Likely the credit card company believes he lives at his billing address, and has done some geo-analysis of credit trends for mortgage holders in his area. Your credit record will indicate when you initiated your mortgage and what the terms were, and it's relatively straightforward to do risk analysis after that.

I've frequently wondered what impact having all my bills sent to Paymybills/Paytrust at Box 14814695, Sioux Falls, South Dakota for the last 10 years has had on my credit profile. :-)