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 ?

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

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

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

Sorry,my bad.

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

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!

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

please visit the Clark Howard site for all the TRUE details!

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.

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.

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.

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

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.

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.

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

Dumbass

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.

THanks for the info

I put a freeze on all three credit bureaus

Someone broke a needle tube.

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?

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.

Sorry to have jumped at you for your post...I apologize

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

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

Guess I am a sheeple.....

I didn't even realize it....

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!

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

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.

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

they have to call you and tell you someone is trying to apply for a loan ; right??

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.