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I just found out someone tried to open up a credit card using

 
Anonymous Coward
User ID: 23487446
United States
10/11/2012 12:20 AM
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I just found out someone tried to open up a credit card using
my maiden last name.

I need someone who is knows about this kind of fraud to help.

Greatly appreciated.


I had the credit card company call me to see if it was me trying to open the account.

They closed thee account lucky for me

But to further protect myself ; what do I do?

I contacted the 3 Major credit bureaus and did a fraud alert on my account


What else should I do? anything?


There are companies out there that can "lock" the credit accounts for a monthly fee.
Is this good to sign up for or a waste of money?

Anyone had experience with this??
Anonymous Coward (OP)
User ID: 23487446
United States
10/11/2012 12:26 AM
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Re: I just found out someone tried to open up a credit card using
No one wants to respond?

No one has any experience with this or are the ones reading this now

filled with guilt ?
Anonymous Coward
User ID: 21153154
United States
10/11/2012 12:38 AM
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Re: I just found out someone tried to open up a credit card using
Sounds like the problem has been handled by you already and you don't need to sign up with some monthly service for a fee to do what was already done or would be done for free
Anonymous Coward
User ID: 25232899
United States
10/11/2012 08:49 AM
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Re: I just found out someone tried to open up a credit card using
my maiden last name.

I need someone who is knows about this kind of fraud to help.

Greatly appreciated.


I had the credit card company call me to see if it was me trying to open the account.

They closed thee account lucky for me

But to further protect myself ; what do I do?

I contacted the 3 Major credit bureaus and did a fraud alert on my account


What else should I do? anything?


There are companies out there that can "lock" the credit accounts for a monthly fee.
Is this good to sign up for or a waste of money?

Anyone had experience with this??
 Quoting: Anonymous Coward 23487446



It is a waste of money...

visit Clark Howard and see how to freeze your credit yourself...it's easy and once frozen no-one can open credit in your name without the special code that only you and the credit bureaus know

[link to www.clarkhoward.com]

good luck
elecmon

User ID: 22717772
10/11/2012 08:56 AM
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Re: I just found out someone tried to open up a credit card using
Don't give out your details to anyone.

If someone does call you for security, take a name and number and then use one of your trusted numbers on printed documentation to call them back.

Ask them to place markers requesting extra caution is taken when dealing with someone stating they are you.

I like to phone direct even though it does cost you money it may save you a fortune or bad credit in the future cool2
Anonymous Coward
User ID: 25358475
United States
10/11/2012 08:58 AM
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Re: I just found out someone tried to open up a credit card using
Sorry,my bad.yeahsure
Anonymous Coward
User ID: 20632484
United States
10/11/2012 11:05 AM
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Re: I just found out someone tried to open up a credit card using
No one wants to respond?

No one has any experience with this or are the ones reading this now

filled with guilt ?
 Quoting: Anonymous Coward 23487446


You said this only after six minutes! Wow, the generation of instant gratification has you.
Watching the world
Crypt Watcher

User ID: 21685109
United States
10/11/2012 11:11 AM

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Re: I just found out someone tried to open up a credit card using
I had the exact same thing happen to me 2 months ago.

Here is what I did.

If you don't have any big transactions coming up such as buying real estate, and you do not expect to obtain any other new accounts that will require a credit inquiry, put a freeze on your credit.

You have to do this with all 3 credit bureaus in order for it to take place on all 3. You can do this online or over the phone. The only problem with doing this is if you need to have a credit inquiry it takes 30 days to have it removed.

The fraud alert that you placed on your credit is a great idea. I did this and I have been receiving monthly statements that tell me if there has been any questionable activity. Place this fraud alert with all 3 credit bureaus.

CREDIT KARMA is the only TRUE free credit monitoring site.

Good luck!hf
Ignorance is bliss until reality bites you in the ass.

I bury the dead.
Anonymous Coward
User ID: 25232899
United States
10/11/2012 12:20 PM
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Re: I just found out someone tried to open up a credit card using
I had the exact same thing happen to me 2 months ago.

Here is what I did.

If you don't have any big transactions coming up such as buying real estate, and you do not expect to obtain any other new accounts that will require a credit inquiry, put a freeze on your credit.

You have to do this with all 3 credit bureaus in order for it to take place on all 3. You can do this online or over the phone. The only problem with doing this is if you need to have a credit inquiry it takes 30 days to have it removed.

The fraud alert that you placed on your credit is a great idea. I did this and I have been receiving monthly statements that tell me if there has been any questionable activity. Place this fraud alert with all 3 credit bureaus.

CREDIT KARMA is the only TRUE free credit monitoring site.

Good luck!hf
 Quoting: Watching the world



sorry, But Total Fucking Bullshit....with the code it is instant....

please visit the Clark Howard site for all the TRUE details!
Anonymous Coward
User ID: 17074635
Canada
10/11/2012 12:28 PM
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Re: I just found out someone tried to open up a credit card using
that would be somebody else with your same name. its not just you in this world with that name. hell i have a couple people with my first name and last name.
anonimalle

User ID: 22774145
United States
10/11/2012 12:30 PM
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Re: I just found out someone tried to open up a credit card using
Sounds like the problem has been handled by you already and you don't need to sign up with some monthly service for a fee to do what was already done or would be done for free
 Quoting: Anonymous Coward 21153154


Go to your local Dept of Motor Vehicles and see if they will put a privacy lock on your personal information.

My situation was a little different. While at a popular interstate restaurant, in daylight, someone smashed my window and stole my purse. I was only inside like 5 minuets, but that was all it took. Anyhow I got my credit cards and phone blocked withing minuets.

Then I went to the DMV with police report in hand and explained the situation. At that point the clerk suggested the privacy block to keep anyone from getting further information on myself.

Sounds like you did the correct things op. Now to track down how they found out your maiden name. Facebook maybe? A yearbook? Former friend? Stay on it until you learn the truth. Good luck.
Behind every myth lies a mystery, and every legend holds an echo of the truth …… anonimalle

" At the siege of Vienna in 1683 Islam seemed poised to overrun Christian Europe. We are in a new phase of a very old war."

Gates of Vienna.

"May we smite our enemies to the darkest chamber of hell, for we wish only to live in peace, and they desire only to put their boot upon our neck."
Mister ObviousModerator
Forum Administrator

10/11/2012 12:31 PM

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Re: I just found out someone tried to open up a credit card using
Well they called you, and the account is closed.


It's problem solved.


Not really anything you can do about it except be aware that people are trying to do that shit.
Anonymous Coward (OP)
User ID: 23487446
United States
10/11/2012 12:46 PM
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Re: I just found out someone tried to open up a credit card using
Well they called you, and the account is closed.


It's problem solved.


Not really anything you can do about it except be aware that people are trying to do that shit.
 Quoting: Mister Obvious


They apparently put their address or an address on the form

I hope the company goes to this address and arrests them for

fraud.

has been done before
I did it
User ID: 25371329
United States
10/11/2012 01:14 PM
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Re: I just found out someone tried to open up a credit card using
Do a credit freeze at the three credit bureaus.
Do NOT pay a service a monthly fee, as it is not necessary.

All three total will cost under $50.00 including the registered letters.

This can be unblocked for a small fee when new credit is necessary.
They give you a pin number.
Dave
User ID: 25371329
United States
10/11/2012 01:18 PM
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Re: I just found out someone tried to open up a credit card using
Credit fraud alerts are a joke.

This is where they tell you after it happens.

A freeze will prevent anyone from opening new accounts.
I do not know about the maiden name thing.
Ask the credit bureau how the freeze works for that.
Watching the world
Crypt Watcher

User ID: 21685109
United States
10/11/2012 02:19 PM

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Re: I just found out someone tried to open up a credit card using
I had the exact same thing happen to me 2 months ago.

Here is what I did.

If you don't have any big transactions coming up such as buying real estate, and you do not expect to obtain any other new accounts that will require a credit inquiry, put a freeze on your credit.

You have to do this with all 3 credit bureaus in order for it to take place on all 3. You can do this online or over the phone. The only problem with doing this is if you need to have a credit inquiry it takes 30 days to have it removed.

The fraud alert that you placed on your credit is a great idea. I did this and I have been receiving monthly statements that tell me if there has been any questionable activity. Place this fraud alert with all 3 credit bureaus.

CREDIT KARMA is the only TRUE free credit monitoring site.

Good luck!hf
 Quoting: Watching the world



sorry, But Total Fucking Bullshit....with the code it is instant....

please visit the Clark Howard site for all the TRUE details!
 Quoting: Anonymous Coward 25232899


You stupid asshole. This is info that I followed from Clark Howard's site.

Dumbass
Ignorance is bliss until reality bites you in the ass.

I bury the dead.
Anonymous Coward
User ID: 25374737
Italy
10/11/2012 02:24 PM
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Re: I just found out someone tried to open up a credit card using
Usually there's a number to call to freeze your credit card / account. You can gather the best info on the matter by visiting your bank internet site.
The safest cards / accounts are those protected by hardware authenticators, hardware password generators.
Good luck.
Anonymous Coward (OP)
User ID: 23487446
United States
10/11/2012 04:06 PM
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Re: I just found out someone tried to open up a credit card using
I had the exact same thing happen to me 2 months ago.

Here is what I did.

If you don't have any big transactions coming up such as buying real estate, and you do not expect to obtain any other new accounts that will require a credit inquiry, put a freeze on your credit.

You have to do this with all 3 credit bureaus in order for it to take place on all 3. You can do this online or over the phone. The only problem with doing this is if you need to have a credit inquiry it takes 30 days to have it removed.

The fraud alert that you placed on your credit is a great idea. I did this and I have been receiving monthly statements that tell me if there has been any questionable activity. Place this fraud alert with all 3 credit bureaus.

CREDIT KARMA is the only TRUE free credit monitoring site.

Good luck!hf
 Quoting: Watching the world


THanks for the info

I put a freeze on all three credit bureaus
Anonymous Coward
User ID: 25377118
Netherlands
10/11/2012 04:18 PM
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Re: I just found out someone tried to open up a credit card using
Someone broke a needle tube.
Anonymous Coward
User ID: 25232899
United States
10/11/2012 06:26 PM
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Re: I just found out someone tried to open up a credit card using
I had the exact same thing happen to me 2 months ago.

Here is what I did.

If you don't have any big transactions coming up such as buying real estate, and you do not expect to obtain any other new accounts that will require a credit inquiry, put a freeze on your credit.

You have to do this with all 3 credit bureaus in order for it to take place on all 3. You can do this online or over the phone. The only problem with doing this is if you need to have a credit inquiry it takes 30 days to have it removed.

The fraud alert that you placed on your credit is a great idea. I did this and I have been receiving monthly statements that tell me if there has been any questionable activity. Place this fraud alert with all 3 credit bureaus.

CREDIT KARMA is the only TRUE free credit monitoring site.

Good luck!hf
 Quoting: Watching the world



sorry, But Total Fucking Bullshit....with the code it is instant....

please visit the Clark Howard site for all the TRUE details!
 Quoting: Anonymous Coward 25232899


You stupid asshole. This is info that I followed from Clark Howard's site.

Dumbass
 Quoting: Watching the world


Please cite where you see this...

I had to have a state agency "pull my credit"...
jumped online and in less than 10 mins the got "access" to my file/report....so please cite where it takes 30 days?
Watching the world
Crypt Watcher

User ID: 21685109
United States
10/11/2012 06:48 PM

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Re: I just found out someone tried to open up a credit card using
The representative from Transunion told me it could take up to 30 days for the freeze to come off completely from all 3 bureaus. I found that Equifax and Experian took the longest with it being 2 weeks, Transunion took less than a week.

My situation may be different as I am going through the whole SBA process.

This is just what the representative told me.
Ignorance is bliss until reality bites you in the ass.

I bury the dead.
Anonymous Coward
User ID: 25232899
United States
10/11/2012 06:53 PM
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Re: I just found out someone tried to open up a credit card using
The representative from Transunion told me it could take up to 30 days for the freeze to come off completely from all 3 bureaus. I found that Equifax and Experian took the longest with it being 2 weeks, Transunion took less than a week.

My situation may be different as I am going through the whole SBA process.

This is just what the representative told me.
 Quoting: Watching the world


Sorry to have jumped at you for your post...I apologize
Watching the world
Crypt Watcher

User ID: 21685109
United States
10/11/2012 07:01 PM

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Re: I just found out someone tried to open up a credit card using
The representative from Transunion told me it could take up to 30 days for the freeze to come off completely from all 3 bureaus. I found that Equifax and Experian took the longest with it being 2 weeks, Transunion took less than a week.

My situation may be different as I am going through the whole SBA process.

This is just what the representative told me.
 Quoting: Watching the world


Sorry to have jumped at you for your post...I apologize
 Quoting: Anonymous Coward 25232899



I'm sorry for calling you a dumbass. I will try to find some links. I was just sharing my experience.
Ignorance is bliss until reality bites you in the ass.

I bury the dead.
Anonymous Coward
User ID: 25232899
United States
10/11/2012 07:07 PM
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Re: I just found out someone tried to open up a credit card using
The representative from Transunion told me it could take up to 30 days for the freeze to come off completely from all 3 bureaus. I found that Equifax and Experian took the longest with it being 2 weeks, Transunion took less than a week.

My situation may be different as I am going through the whole SBA process.

This is just what the representative told me.
 Quoting: Watching the world


Sorry to have jumped at you for your post...I apologize
 Quoting: Anonymous Coward 25232899



I'm sorry for calling you a dumbass. I will try to find some links. I was just sharing my experience.
 Quoting: Watching the world


It seems to be becoming rampant round here with the hoopla over the election....It's sad that you and I seem to have fallen into the "trap"

FWIW. I've been called alot worse, here on GLP lately...


Don't worry over the links on my behalf
Watching the world
Crypt Watcher

User ID: 21685109
United States
10/11/2012 07:10 PM

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Re: I just found out someone tried to open up a credit card using
Guess I am a sheeple.....

I didn't even realize it....

oops
Ignorance is bliss until reality bites you in the ass.

I bury the dead.
Anonymous Coward
User ID: 25232899
United States
10/11/2012 07:13 PM
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Re: I just found out someone tried to open up a credit card using
Guess I am a sheeple.....

I didn't even realize it....

oops
 Quoting: Watching the world


Don't knock yourself up to badly...my mom would be appalled at the language I've used on here...and I'm 48yrs old

take care and keep putting the word out on the "Credit Freeze" thing...it's the only way to go!
Anonymous Coward (OP)
User ID: 23487446
United States
10/11/2012 07:23 PM
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Re: I just found out someone tried to open up a credit card using
I had the exact same thing happen to me 2 months ago.

Here is what I did.

If you don't have any big transactions coming up such as buying real estate, and you do not expect to obtain any other new accounts that will require a credit inquiry, put a freeze on your credit.

You have to do this with all 3 credit bureaus in order for it to take place on all 3. You can do this online or over the phone. The only problem with doing this is if you need to have a credit inquiry it takes 30 days to have it removed.

The fraud alert that you placed on your credit is a great idea. I did this and I have been receiving monthly statements that tell me if there has been any questionable activity. Place this fraud alert with all 3 credit bureaus.

CREDIT KARMA is the only TRUE free credit monitoring site.

Good luck!hf
 Quoting: Watching the world


I did the freeze on all 3. 2 were pretty easy ; one took much longer and I had to speak with a person( did not go online).


This will prevent from someone using my credit ; right?

I hope
Watching the world
Crypt Watcher

User ID: 21685109
United States
10/11/2012 07:28 PM

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Re: I just found out someone tried to open up a credit card using
For the OP. the websites state that a security freeze can be lifted in 15 min by going online. Transunion seems to be the easiest one to deal with and offers clear contact phone numbers. Equifax and Experian were not so easy to access. Equifax requires you to sign into their member center in order to see their contact numbers. Experian tries to get you to sign up for their $30.00 credit education plan just to have a simple question answered.

Here is a link to some of the problems people have had. When I called, no one would answer and I just kept getting the same message.

[link to www.contacthelp.com]

I'm now done with my rant.

Again, good luck.rant
Ignorance is bliss until reality bites you in the ass.

I bury the dead.
Watching the world
Crypt Watcher

User ID: 21685109
United States
10/11/2012 07:32 PM

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Re: I just found out someone tried to open up a credit card using
I had the exact same thing happen to me 2 months ago.

Here is what I did.

If you don't have any big transactions coming up such as buying real estate, and you do not expect to obtain any other new accounts that will require a credit inquiry, put a freeze on your credit.

You have to do this with all 3 credit bureaus in order for it to take place on all 3. You can do this online or over the phone. The only problem with doing this is if you need to have a credit inquiry it takes 30 days to have it removed.

The fraud alert that you placed on your credit is a great idea. I did this and I have been receiving monthly statements that tell me if there has been any questionable activity. Place this fraud alert with all 3 credit bureaus.

CREDIT KARMA is the only TRUE free credit monitoring site.

Good luck!hf
 Quoting: Watching the world


I did the freeze on all 3. 2 were pretty easy ; one took much longer and I had to speak with a person( did not go online).


This will prevent from someone using my credit ; right?

I hope
 Quoting: Anonymous Coward 23487446


Yes. In my case, not even a very well known bank could access my info until I released the freeze.
Ignorance is bliss until reality bites you in the ass.

I bury the dead.
Anonymous Coward (OP)
User ID: 23487446
United States
10/11/2012 07:47 PM
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Re: I just found out someone tried to open up a credit card using
I had the exact same thing happen to me 2 months ago.

Here is what I did.

If you don't have any big transactions coming up such as buying real estate, and you do not expect to obtain any other new accounts that will require a credit inquiry, put a freeze on your credit.

You have to do this with all 3 credit bureaus in order for it to take place on all 3. You can do this online or over the phone. The only problem with doing this is if you need to have a credit inquiry it takes 30 days to have it removed.

The fraud alert that you placed on your credit is a great idea. I did this and I have been receiving monthly statements that tell me if there has been any questionable activity. Place this fraud alert with all 3 credit bureaus.

CREDIT KARMA is the only TRUE free credit monitoring site.

Good luck!hf
 Quoting: Watching the world


I did the freeze on all 3. 2 were pretty easy ; one took much longer and I had to speak with a person( did not go online).


This will prevent from someone using my credit ; right?

I hope
 Quoting: Anonymous Coward 23487446


Yes. In my case, not even a very well known bank could access my info until I released the freeze.
 Quoting: Watching the world

they have to call you and tell you someone is trying to apply for a loan ; right??
Watching the world
Crypt Watcher

User ID: 21685109
United States
10/11/2012 08:15 PM

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Re: I just found out someone tried to open up a credit card using
If you put a fraud alert on your credit you will receive a monthly letter stating that the alert is still active. I would assume that they may call you, however if you give them your email address they will respond much quicker this way.

Like I said, Transunion is the easiest to deal with. The other two-not so much. When you set up an account with them, you will receive emails that tell you what is going on. I receive emails from Transunion that alert me to sign in and view my account.

I think you can also receive text alerts.
Ignorance is bliss until reality bites you in the ass.

I bury the dead.

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