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Started By
Message
Any advice for identity theft?
Posted on 4/24/23 at 12:19 pm
Posted on 4/24/23 at 12:19 pm
I use a free credit monitoring service. I received a notification that a new hard inquiry popped up from a credit union I never heard of. Called them and there is a personal loan and savings account under my information.
Looked closer and saw another inquiry I did not recognize from US Bank. Never used them so I called. Credit card has been setup.
Reported through identitytheft.gov and filed a police report.
Going through process of trying to put a freeze on credit and I'm on hold which is why I thought I would kill some time and post this here.
Any advice from those who have dealt with this shite? How much of a pain in my arse is this going to be for the foreseeable future?
Looked closer and saw another inquiry I did not recognize from US Bank. Never used them so I called. Credit card has been setup.
Reported through identitytheft.gov and filed a police report.
Going through process of trying to put a freeze on credit and I'm on hold which is why I thought I would kill some time and post this here.
Any advice from those who have dealt with this shite? How much of a pain in my arse is this going to be for the foreseeable future?
3
Posted on 4/24/23 at 12:46 pm to BamaAlum02
I have dealt with this as well. Once you freeze your credit you should be good as far as the thief trying to get more access. But it never goes away. I think they've tried to access my credit as recently as last month. All declined for lack of credit (bc of freeze). It's like the little a-hole wants to remind me he has my social.
Mine didn't actually get any accounts open that I found, but I will tell you my petitions to the credit bureau's to remove the hard inquiries were denied. Pisses me off every time I see it. I even have letters from the places the person applied saying it was determined to be fraud, but still had no success removing them. They fall off after two years though and I generally don't use a lot of credit so it wasn't worth a huge fight over. I had spent enough time and it was severely angering me to not be getting anywhere so it was best to let it go.
Sorry this happened and good luck, it seems you are doing all the right things.
Mine didn't actually get any accounts open that I found, but I will tell you my petitions to the credit bureau's to remove the hard inquiries were denied. Pisses me off every time I see it. I even have letters from the places the person applied saying it was determined to be fraud, but still had no success removing them. They fall off after two years though and I generally don't use a lot of credit so it wasn't worth a huge fight over. I had spent enough time and it was severely angering me to not be getting anywhere so it was best to let it go.
Sorry this happened and good luck, it seems you are doing all the right things.
Posted on 4/24/23 at 1:10 pm to BamaAlum02
It can possibly be a huge PITA, had our Identities stolen and found out when Synchrony Bank (Wal-Mart & Sam’s Club) sent us a letter thanking us for applying for credit cards!
I’d recommend calling all 3 credit bureaus, their numbers can be found online, tell them your have indication that your ID was stolen and your credit has been compromised, tell them to lock your credit. They are supposed to share this information with each other so calling one is supposed to cover it but I didn’t take that chance, I called each one and requested a credit lock.
Not credit monitoring, a credit lock! This will prevent anyone from being able to go through any of the credit bureaus to check credit in your name. It will also make it a little bit of a hassle for you in the future because you have to call them anytime you do need to apply for credit.
They will give you a personal ID number or code to use for future requests, do not lose that number, keep it because you’ll need it when you apply for credit to buy a vehicle, home or anything else.
Call any companies that you think the thief has applied at and explain your situation, the credit bureaus will be able to see and tell you of any recent credit applications or activities.
You may want to consider calling any companies or banks you have legitimate accounts with and getting new cards or account numbers from them. Also tell them what happened and ask for alerts if any new activities happen through their accounts.
We also had to contact Social security and Federal tax authorities to make sure the thief didn’t try to access our tax returns or SS accounts. Had to get Federal Tax personal Identification numbers (PIN) each year for our tax returns; it can be a hassle but an ID thief can literally ruin you now and for the rest of your life if they’re not stopped.
I’d recommend calling all 3 credit bureaus, their numbers can be found online, tell them your have indication that your ID was stolen and your credit has been compromised, tell them to lock your credit. They are supposed to share this information with each other so calling one is supposed to cover it but I didn’t take that chance, I called each one and requested a credit lock.
Not credit monitoring, a credit lock! This will prevent anyone from being able to go through any of the credit bureaus to check credit in your name. It will also make it a little bit of a hassle for you in the future because you have to call them anytime you do need to apply for credit.
They will give you a personal ID number or code to use for future requests, do not lose that number, keep it because you’ll need it when you apply for credit to buy a vehicle, home or anything else.
Call any companies that you think the thief has applied at and explain your situation, the credit bureaus will be able to see and tell you of any recent credit applications or activities.
You may want to consider calling any companies or banks you have legitimate accounts with and getting new cards or account numbers from them. Also tell them what happened and ask for alerts if any new activities happen through their accounts.
We also had to contact Social security and Federal tax authorities to make sure the thief didn’t try to access our tax returns or SS accounts. Had to get Federal Tax personal Identification numbers (PIN) each year for our tax returns; it can be a hassle but an ID thief can literally ruin you now and for the rest of your life if they’re not stopped.
Posted on 4/25/23 at 1:18 pm to BamaAlum02
To be honest, identity theft concerns me much more than the Chinese yuan replacing the dollar as a reserve currency anytime soon, the S&P going to 3000, the marginal tax rates going to 90% or needing to load up my basement with canned food because of a zombie apocalypse.
Over the past several years I’ve dealt with half a dozen incidents of people buying dinners in cities I’ve never been to, Eurorail passes (I’ve never been to Europe) and buying size 10 Reebok sneakers (I haven’t worn sneakers since high school and I wear a size 13 - which led to an argument with the barely fluent in English Citibank rep) on my cards, had someone file fraudulent tax returns and two different incidents of people filing for unemployment using my social security number. As was mentioned above, identity theft is a tremendous pain in the rear to deal with. And from bank to bank or government body to government body, it can take forever to straighten out.
Over the past several years I’ve dealt with half a dozen incidents of people buying dinners in cities I’ve never been to, Eurorail passes (I’ve never been to Europe) and buying size 10 Reebok sneakers (I haven’t worn sneakers since high school and I wear a size 13 - which led to an argument with the barely fluent in English Citibank rep) on my cards, had someone file fraudulent tax returns and two different incidents of people filing for unemployment using my social security number. As was mentioned above, identity theft is a tremendous pain in the rear to deal with. And from bank to bank or government body to government body, it can take forever to straighten out.
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