He doesn't have credit cards of his own. How can this be? How can he get help with this?
2007-07-30 20:59:03 · 3 answers · asked by twigs886 1 in Business & Finance ➔ Credit
Wow, someone must know Joe's personal information. If Joe himself does not own cards of his own, there's a good chance that someone knows A LOT more of his information then he thinks. Even when company's send credit card offers, they always want you to fill out the form fully completed. In addition to this, all that information must be 100% correct.. questions include everything from work, to mothers maiden name, references, past/current full addresses, social security...ect. Joe should think real hard, did his house get broken into? Is there anyone that could possibly gather all this information or have access to it? Anyways, he needs to Notify credit bureaus and establish fraud alerts. Immediately report the situation to the fraud department of the three credit reporting companies -- Experian, Equifax, and TransUnion. When you notify one bureau that you are at risk of being a victim of identity theft, it will notify the other two for you. Placing the fraud alert means that your file will be flagged and that creditors are required to call you before extending credit.
Equifax: P.O. Box 740250, Atlanta, GA 30374- 0241.
Report fraud: Call (888) 766-0008 and write to address above.
TDD: (800) 255-0056
Web: www.equifax.com
Experian: PO Box 9532
Allen TX, 75013
Report fraud: Call (888) EXPERIAN (888-397-3742) and write to address above.
TDD: Use relay to fraud number above.
Web: www.experian.com/fraud
TransUnion: P.O. Box 6790, Fullerton, CA 92834-6790.
Report fraud: (800) 680-7289 and write to address above.
TDD: (877) 553-7803
E-mail (fraud victims only): fvad@transunion.com
Web: www.transunion.com
There are a bunch of steps to take. Do all of them, and act on this now!! The following site will guide you on what to do. Good luck!
2007-07-30 21:24:25 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Someone got a credit card in Joe's name. Call the credit card company and report identity theft. If Joe gets any mail from a collection agency, refute the claim.
2007-07-31 04:06:38 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Joe should order his credit reports.
He should also file a police report for ID theft.
He should send a copy of the police report to each creditor where the ID theft was used to gain credit.
He should send a copy of the police report and a letter to the credit bureaus, disputing all of the items that were incurred from the ID theft.
2007-07-31 04:10:08 · answer #3 · answered by echo 7 · 1⤊ 0⤋