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Monroe Native

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Re: Credit Issue..
« Reply #15 on: February 27, 2014, 07:38:18 PM »

I think this is the link to the "real" not commercial "free" credit report site.

I do one every 4 months or so....

https://www.annualcreditreport.com/index.action
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BigRedDog

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Re: Credit Issue..
« Reply #16 on: February 27, 2014, 07:39:17 PM »

I had to deal with something similar when I had just turned 18.

I wanted to take my graduation money and open a bank account, but they kept telling me I owed another bank a ton of money for writing bad checks. I explained to them I couldn't have because I never had a bank account, and they just kept arguing with me, telling me I was lying. I stuck around there until they would give me some answers. They couldn't tell me who, but a person in a state out west used my social security number.

I had to go through ChexSystems to clear my name. It turned out, the bank that entered his SSN mixed up two of the numbers, and it just so happened the result was my SSN.

I'm sorry I don't have any useful information for you. I know how it feels when someone has stolen from you. I truly hope you can get this figured out in your favor!

You may have some very useful info there...

check out the link at:  https://www.consumerdebit.com/consumerinfo/us/en/index.htm
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BigRedDog

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Re: Credit Issue..
« Reply #17 on: February 27, 2014, 07:41:35 PM »

My debit and credit cards are VISA and are issued by my credit union. Maybe all cards aren't and some are direct with the card company,  I don't know.
But if you can find out which financial institution is on the card I'd start there.
I've had people scam my credit card and use it at Itunes.  VISA wiped off the charges and i had to sign a document saying I'd prosecute if they caught the criminal. Someone using my card isn't much different than someone getting a new card issued in your name.
[/b]

The big difference is you were still getting your statements and you could see the charges and Z didn't get the statement so didn't even know there was an issue until the collection vultures started in on him!!!
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Monroe Native

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Re: Credit Issue..
« Reply #18 on: February 27, 2014, 07:42:41 PM »

This is the Federal Trade Commission site on how to protest things on your credit report.

Some very good information on it.

https://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports][url]https://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports[/url]
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I have learned that only two things are necessary to keep one's wife happy. First, let her think she's having her own way. And second, let her have it.
Lyndon B. Johnson

You do not examine legislation in the light of the benefits it will convey if properly administered, but in the light of the wrongs it would do and the harms it would cause if improperly administered.
Lyndon B. Johnson

Monroe Native

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Re: Credit Issue..
« Reply #19 on: February 27, 2014, 07:45:00 PM »

Bingo!

The FTC "Identity Theft" steps to take.

https://www.consumer.ftc.gov/features/feature-0014-identity-theft
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I have learned that only two things are necessary to keep one's wife happy. First, let her think she's having her own way. And second, let her have it.
Lyndon B. Johnson

You do not examine legislation in the light of the benefits it will convey if properly administered, but in the light of the wrongs it would do and the harms it would cause if improperly administered.
Lyndon B. Johnson

Zdart

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Re: Credit Issue..
« Reply #20 on: February 27, 2014, 07:50:25 PM »

Thank you all...I knew there was good info out there. The "card issuer" has no info on file. Even if they sent it to collection, they should have something. I will chip away at this and keep you all informed.  :)
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BigRedDog

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Re: Credit Issue..
« Reply #21 on: February 27, 2014, 07:56:11 PM »

Thank you all...I knew there was good info out there. The "card issuer" has no info on file. Even if they sent it to collection, they should have something. I will chip away at this and keep you all informed.  :)

Yes they have the info...  they couldn't have issued a card without it.  This is one of the reasons it's so hard to fight these things.

It's too bad they don't have to pay you for your troubles when they throw up all the obstacles!
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MM1

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Re: Credit Issue..
« Reply #22 on: February 27, 2014, 08:10:03 PM »

You might stop in or call Greenpath.  There is an office located just north of Kroger on the west side of Monroe Street. (across from Monroe Florist) They are a company that offers debt solutions, helping with financial reorganizations and such.  I would think they would know exactly what you can do. 

Good luck to you.  I'm sorry for your dilemma.  :(
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AtypicalGirl

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Re: Credit Issue..
« Reply #23 on: February 27, 2014, 08:48:20 PM »

You may have some very useful info there...

check out the link at:  https://www.consumerdebit.com/consumerinfo/us/en/index.htm

From what I understand, ChexSystems deals solely with banks and credit unions. I don't know if they could help, unless the credit card was issued through a bank or credit union. But I guess it could be worth a shot! :)
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excelsior

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Re: Credit Issue..
« Reply #24 on: February 27, 2014, 09:25:31 PM »

Good luck Z!

Here is the Michigan Attorney General information for Michigan folks:


Identity Theft Information for Michigan Consumers

http://www.michigan.gov/ag/0,4534,7-164-17337_20942-230557--,00.html
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Professor H

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Re: Credit Issue..
« Reply #25 on: February 28, 2014, 12:50:54 AM »

This seems like a good place to start..thank you, sir. Do you know of a way to acquire free credit reports? I know there is a way to get them annually (without the FreeCreditReport scam); just don't recall the process.
Catching up so this could be repeat -

If you have an issue they have an avenue to investigate - and the report will be free along with a follow up.

There is also a block you can put on at the 3 credit reporting agencies to stop any new accounts unless you specifically authorize them, it is set up for those who had an issue with ID theft.

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Monroe Native

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Re: Credit Issue..
« Reply #26 on: February 28, 2014, 06:31:26 AM »

I'm thinking about doing it.....

I only looked at Experian....  but it looks pretty easy through them and only costs $10.

Anyone you already have a business relationship with can still access it - so as long as you are comfortable with your current insurance, banks, credit unions, etc - what would the harm be?

It would be awfully hard to open a credit card in your name with this on - unless I suppose they did it through a company I already do business with - but then I assume those companies would contact me before it got out of hand - and I'd be protected by my current business relationship.  I've had my cards compromised several times and in every case the large National Company it is through caught it before I did - and called me up to ask if I did XYZ - and they removed the fraudulent charges.  I would have to think a new account I didn't open it would be the same?

Can anyone think of a good reason why someone with mature business relationships (mortgage, insurance, credit cards, etc) wouldn't want to freeze their credit reports?

https://www.experian.com/consumer/help/states/mi.html
« Last Edit: February 28, 2014, 06:48:10 AM by Monroe Native »
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I have learned that only two things are necessary to keep one's wife happy. First, let her think she's having her own way. And second, let her have it.
Lyndon B. Johnson

You do not examine legislation in the light of the benefits it will convey if properly administered, but in the light of the wrongs it would do and the harms it would cause if improperly administered.
Lyndon B. Johnson

livewire

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Re: Credit Issue..
« Reply #27 on: February 28, 2014, 06:52:21 AM »

Lots of great suggestions here!  I can't really add any other recommendations, but I do have a question.

Does anyone have any experience with Lifelock, or any of the other credit protection systems out there?  I realize the horse has already left the barn for the OP, but I would be interested in knowing if the credit protection companies would have prevented this from happening.  I know they CLAIM that they would have avoided this, but who knows?
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BigRedDog

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Re: Credit Issue..
« Reply #28 on: February 28, 2014, 06:57:59 AM »

I'm thinking about doing it.....

I only looked at Experian....  but it looks pretty easy through them and only costs $10.

Anyone you already have a business relationship with can still access it - so as long as you are comfortable with your current insurance, banks, credit unions, etc - what would the harm be?

It would be awfully hard to open a credit card in your name with this on - unless I suppose they did it through a company I already do business with - but then I assume those companies would contact me before it got out of hand - and I'd be protected by my current business relationship.  I've had my cards compromised several times and in every case the large National Company it is through caught it before I did - and called me up to ask if I did XYZ - and they removed the fraudulent charges.  I would have to think a new account I didn't open it would be the same?

Can anyone think of a good reason why someone with mature business relationships (mortgage, insurance, credit cards, etc) wouldn't want to freeze their credit reports?

https://www.experian.com/consumer/help/states/mi.html

Any idea how long it takes to 'unlock' it in the event you do decide to do something ??? ??? ???

It it's only a few days it wouldn't be an issue, but if it takes 30 days I can see a couple of potential problems.

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Monroe Native

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Re: Credit Issue..
« Reply #29 on: February 28, 2014, 07:11:53 AM »

Any idea how long it takes to 'unlock' it in the event you do decide to do something ??? ??? ???

It it's only a few days it wouldn't be an issue, but if it takes 30 days I can see a couple of potential problems.

On their site it sounds like you should plan a few days ahead?  I saw 3 mentioned in one place.

The biggest negative I saw was $10 per agency to "freeze" the account, and $10 to "un-freeze" or grant a temporary access to the account.

It looks like the only time you would have to do that is if you decided to do business with a new company that wasn't already on your credit report.  The current companies can still access your report without paying the fees.

So....  if I wanted to shop my mortgage, or get insurance quotes, I might have to unlock my account for 15 or 30 days to accomplish that, and that would cost 30 dollars if you had to do all the credit agencies, and you'd probably need to plan ahead about 3 days?
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I have learned that only two things are necessary to keep one's wife happy. First, let her think she's having her own way. And second, let her have it.
Lyndon B. Johnson

You do not examine legislation in the light of the benefits it will convey if properly administered, but in the light of the wrongs it would do and the harms it would cause if improperly administered.
Lyndon B. Johnson
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