Credit scores are checked by employers, landlords, utility companies, and lenders, and that's one reason why some consumer advocates are worried about Wells Fargo opening millions of phony accounts. Wells Fargo has been fined $185 million for letting employees open checking and credit card accounts for customers without their knowledge, and while the company says it is contacting customers to find out if the accounts they have are authorized and promises to try to make restitution, it's highly likely credit scores have been majorly affected.