Credit Fraud

By Latest Reply 2008-12-28 15:04:27 -0600
Started 2008-12-22 17:16:59 -0600

Please be careful!! Today I just got some bills for thing s I had not ordered sent to someone, I
do not know. I do not have credit card to any of the stores they ordered from online. I do not give my address to any one except from companies I have ordered Items for
Family members. I am vey careful!!!! I do not know where the
person got my Name and Address and
opened a account at certain companies. I called them, the companies and told them it was not me. Now I had to contact the Police Dept. because it is Fraud.
I don't know what to do next. Has anybody this has happened to?

13 replies

Meridian - 26751
Meridian - 26751 2008-12-24 04:07:44 -0600 Report

I signed up for LifeLock about a year ago. It costs about $10 a month. What they do is basically the same things that you can do for yourself, but the sad fact of the matter is that we don't do it for ourselves. I sleep well knowing that it is getting done even though and especially because I know it is something I wouldn't do for myself.

kdroberts 2008-12-24 08:42:54 -0600 Report

Actually, if you don't plan on getting a loan, credit card, store card or other thing that would require a credit check it's much better to put a credit freeze on all three credit bureaus. Life Lock does a few things but it's not going to prevent all identity theft or credit fraud. That way nobody will be able to open any credit account or anything that requires a credit check. You have to pay a small fee to do it and have it removed but if you don't plan on needing to have a credit check it would work out a lot cheaper in the long run and will be more effective in stopping credit fraud and identity theft.

On the credit card fraud side of things, the US is sadly lagging behind the rest of the world in preventative measures. The system in most countries is to try and prevent the fraud before it happens by using various security features like chip and pin and a few others. The US system is set up to fix the mess that happens after the fraud has occurred but makes it a little more convenient to use your card.

Mostly you can really protect yourself by opting out of pre-approved credit offers (, shredding your mail that has personal data on it, signing your cards with a proper signature as soon as you get them (CID, see ID, etc is not a valid signature and is less secure than a signature, it also voids your card per Visa and MasterCard cardholders agreement and would allow them not to pay out if you were victim of fraud), covering up your credit card number when you are holding it (there are people who can memorize the number and expiration within a few seconds of looking at it), making sure you only give out your SSN when you absolutely have to (if somebody asks for it, ask them why and don't tell them unless it's a cast iron need, looking you up on a computer system is not a good reason), making sure that if you are shopping online it's a legit site and is secure (if you are unsure do a quick google search for the site name and fraud, complaints or some other term and you will quickly see if people have had problems and your web browser should tell you if its secure, the address should start with https:// and there may be a padlock or key at the bottom of your browser) and getting your free copies of each credit report once a year and clearing up any problems on them. It's common sense really.

One thing I found kind of funny is that the CEO of Life Lock (the guy who gives his social security number out on TV) actually had his SSN used by somebody to cash a $500 check fraudulently. Life Lock sorted it out but it didn't prevent it.

Meridian - 26751
Meridian - 26751 2008-12-24 12:26:10 -0600 Report

LifeLock doesn't promise that nothing will happen, they just promise to take care of it if it does. Up to One million dollars. The list of things you stated above that need to be done to protect yourself, have to be done every six months. Plus who says I'll remember to do it every six months? That seems to me that it would cost me more in my time to do it than the ten bucks a month. The bad guys may steal your identity with or without LifeLock, the difference is the million dollar guarantee.

kdroberts 2008-12-24 12:44:18 -0600 Report

Nothing I said has to be done every six months. The credit freeze is on until you tell the bureau to take it off. The credit card opt out is 5 years if you do it online or lifetime if you send in a signed from. The rest is just common sense things that you will need to do periodically when things happen like you shop online or receive a new credit/bank/store card.

You are right that life lock does offer the guarantee and that would be the only reason to get it. One of the services they provide is to flag your credit record asking people who check it to confirm your ID. If the person checking the report actually does that is up to them. That you can do without life lock for free but it expires and you have to keep doing it, life lock just auto renews it. Maybe that's where you're getting the 6 month expiration from.

2008-12-24 12:58:02 -0600 Report

Thank you, kdroberts,
It sure made a lot of sense which you
posted, I am going to try everything now,
every six months to double check my credit. I am not going to use my debit card like I use to and I do not have Credit cards. This person got information
on me from Online I guess. I will not
order anything online again. The Company where all this happen are going to follow through on this and I put fraud
action on my Credit bureaus.
Thanks again, Nancy

kdroberts 2008-12-24 13:12:15 -0600 Report

Maybe you did this but if you submit a copy of the police report saying you were a victim of ID theft you get all sorts of free stuff from the credit bureaus. You can put a 7 year fraud alert on your report, get additional free copies of your credit report, be able to put a credit freeze on, take it off or temporarily lift it for free rather than paying the fees and maybe some other things I'm not remembering.

2008-12-25 06:46:26 -0600 Report

Thanks kdroberts,
I have been working on this all late yesterday, as they ordered from one of my Store Card that I use for family
gifts. Ordered before I knew what was

Frieda - 26966
Frieda - 26966 2008-12-28 13:59:56 -0600 Report

I used to work in the credit industry. Any credit alert you put on your credit bureaus are good for 6 months. The credit freeze can only be lifted with your permission.

One thing that a lot of people don't realize is that, when you pay at the pump with your debit card, that information is stored in that system until reset. Including your pin number. And it can be accessed by anyone having the "key" to do so. NEVER USE PAY AT THE PUMP, unless you know who will access that information (warehouse clubs are ok). This type of fraud has been prevalent in many areas of the country for the past 4 or 5 years.

2008-12-28 15:04:27 -0600 Report

Thanks Frieda,
I never knew that but I am glad I do
not use pay at the pump with Debit card.
They get you anyway they can. It was a great reply. I will always remmber it and make others aware of that,at the gas

enigmalady777 2008-12-24 00:23:18 -0600 Report

It would probably be a good idea to get a hold of your credit report to make sure your identity was not stolen.

You can have a fraud alert placed on your credit file. This will prevent further accounts from being opened using your name and ssn.

Identity theft can be a real mess to get straightened out.

If your checking accounts are involved, it's also best to contact your bank and close the account after making a forgery report.

I've had my checking accounts hacked into on three separate occasions - first time was a forged check and ACH withdrawal. Made a forgery claim with the bank, contacted the police and made a report. Six months later I get a call from some random pizza place wanting to know if I reported my checks as stolen. I said yes, Two minutes later the police call to confirm. They caught the person - apparently trying to pass another check!!!

The second time it was another forged check that one of my kids' friends stole from our bedroom desk (blank checks are now routinely LOCKED UP in a safe at our house) and third time an Debit card transaction to a wireless carrier that nobody in my household used - minutes after I had placed an order over the phone at a local take out restaurant. That person was also caught and got to spend some "quality time" at the local pen.

Bottom line - guard your personal info very very closely.

jaclyncrystal 2008-12-22 20:21:52 -0600 Report

yes, I had received a new card and misplaced it, then I got these pills coming in the mail, something I could never take, then the credit card bill came in. phoned credit card company told them card was lost. they cancelled it immediately removed the charges that I did not make and sent me a new card with a new number. Hope you can call your company and get the card you had cancelled and get a new one and do not order stuff online, i learned my lesson. hugs jackie

2008-12-23 11:03:12 -0600 Report

It wouldn't hurt to also contact your bank just in case your bank accounts also got accessed. With all the online banking going on, this is also possble, not just with your credit cards. Better safe than sorry.