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re: So I think my identity was stolen
Posted on 3/26/16 at 8:55 am to txtiger79
Posted on 3/26/16 at 8:55 am to txtiger79
I agree with you to an extent. I use my debit cards rarely and only when I handle it. I use a reward card, pay the entire balance each month. At the end of the year, I use the rewards for a trip or something I want. Last year the rewards paid for airline tickets to St Thomas for my wife and I.
0
Posted on 3/26/16 at 10:23 am to The Spleen
quote:If you look at your driver's license it will tell you who you are.....
So I think my identity was stolen
Posted on 3/28/16 at 1:31 pm to The Spleen
quote:
I've called Experian and put a fraud alert with all 3 credit agencies and got a copy of my credit report from all 3. There's nothing on any of the reports suspicious.
I'm guessing you just did the 90 day initial alert? If so, you will probably want to do a 7 year extended alert. To do that, you'll need to file a police report.
Extended Fraud Alerts and Credit Freezes
quote:
Extended Fraud Alerts
If you’ve created an Identity Theft Report, you can get an extended fraud alert on your credit file. When you place an extended alert, you can get 2 free credit reports within 12 months from each of the 3 nationwide credit reporting companies, and the credit reporting companies must take your name off marketing lists for prescreened credit offers for 5 years, unless you ask them to put your name back on the list. The extended alert lasts for 7 years.
How to Place An Extended Fraud Alert
Contact each of the 3 nationwide credit reporting companies. Ask the company to place an extended fraud alert on your credit file.
The company may have you complete a request form.
Include a copy of your Identity Theft Report when you submit the form and your letter.
Placing an extended fraud alert is free.
Mark your calendar.
The extended alert stays in effect for 7 years.
Update your files. Record the dates you made calls or sent letters.
Keep copies of letters in your files.
Posted on 3/28/16 at 3:36 pm to DingLeeBerry
Yeah, just the 90 day one right now. I'm leaning more towards them accessing my two online accounts somehow rather than a complete breach of identity. I don't think my personal info is listed in the online accounts. SSN is ***'d out on both. There have only been 2 suspicious events, and both happened with credit card companies I already have accounts with. It could be just a coincidence, but not when added to them gaining access to one of them to make a payment on it. That part still blows my mind.
Posted on 3/28/16 at 4:05 pm to The Spleen
Mine was similar. Started with accessing an existing account online then tried to open another card through a different company. They attempted to open a second card a year later, so I'd put some serious thought into the extended version.
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