2007-11-21 19:48:18 · 25 answers · asked by Anonymous in Entertainment & Music ➔ Polls & Surveys
Contact all your credit card companies and credit reporting agencies. Tell them you are a victim.
Contact the police.
There are agencies that will help you, but I don't have any idea if they really do the job or not.
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The best insurance against ID theft or credit/debit card fraud is to have terrible credit.
After getting myself into credit card trouble a number of years ago I swore off of them altogether and only pay cash.
About 15 years ago I owned a sailboat and had a bill from the city of Berkeley, California for taxes, which I paid. Because of some snafu at the tax collecting agency in Berkeley, the payment was never recorded. I found that the debt will follow me to the grave, and since it is a court ordered lien, it is a super duper black mark on my credit, even though it is only $35. I have no intention of fixing it. It is my insurance policy against ID theft.
As far as living on credit, remember, it costs you more to have credit then save the money for what you need. Pay cash for everything. Rule of thumb, if you don't have the money, don't buy it. If you are really frugal, you can save enough to buy a house -- but that takes determination. In that case, I understand why people have credit. But as far as I'm concerned, that should be a limit. No credit for cars, tuition, certainly not the clothes you wear.
Try to become debt free. It is a liberating feeling. It's your own way of putting it to big business.
Peace
Jim
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2007-11-21 19:52:30 · answer #1 · answered by Anonymous · 1⤊ 0⤋
I had this happen to me a year or two ago. What you need to do first is to enroll in a online credit report service. (there are many that are free for the first month and nominal fee thereafter). From there you will be able to see all the credit accounts that was ever opened under your name / social security. Go through every one of those accounts and make sure you made those accounts. If you don't remember or have questions about certain accounts write them out and start calling them. It is a painstaking task and it will take a long time to fix everything if numerous fraudulent account has been made but is something you'll have to fix yourself. My FICO was lowered by a crook to 400's but I was able to restore it back to 770's in about 4 months. Good luck!
2007-11-22 04:03:06 · answer #2 · answered by †ђ!ηK †αηK² 6 · 0⤊ 0⤋
contact the credit/debit card issuing agency and notify them. Exact actin will depend on the type of fraud. The police also have to be informed.
2007-11-22 04:27:03 · answer #3 · answered by sreekumar s 1 · 0⤊ 0⤋
My son is a lawyer, but nevertheless, it happened to him. He researched all the legal ramifications and compiled a list of what has to be done, who has to be notified, etc.
I would include it here, but the list is close to a novel.
He did get his identity back and everything worked out. But, the culprit was never found. If he had tried to do it again, he would've been stymied at each point.
2007-11-22 04:45:35 · answer #4 · answered by Marguerite 7 · 0⤊ 0⤋
Thankfully, no one would want to steal my identity. When my ex ran out on me, she made sure she ran up every account we had, and kept all the money that was ment to have gone to utility bills for months before she skipped to England, leaving me holding the bag. Of course, the came after me, not her, as I was still here.
It took me 15 years and letting much of it go into collection so the amount would be reduced, for me to pay it all off. The plus is my credit has a permenant giant red flag on it so no one will want to steal my identity.
2007-11-22 07:43:29 · answer #5 · answered by Captain Jack ® 7 · 2⤊ 0⤋
contact the bank, credit card provider and the police.
i would ask the credit card firm for a staement and then copntact the relevant stores/people to tell them that somebody else had used the card
2007-11-22 03:53:56 · answer #6 · answered by magiclady2007 6 · 0⤊ 0⤋
Cancel all cards... Wait until Police have tracked down this delightful person... and... since I won't be getting my money back.
Change my name to theirs and rack up a bill to the same amount.
When in Rome.... Do as the Romans do!
2007-11-22 04:03:52 · answer #7 · answered by Piccola Sorella 4 · 0⤊ 0⤋
When did I get a credit card?
2007-11-22 03:52:19 · answer #8 · answered by Anonymous · 0⤊ 0⤋
I would at once call the bank and ask them to do the needful and reimburse the amount at the earliest possible.
2007-11-22 03:53:51 · answer #9 · answered by billako 6 · 0⤊ 0⤋
Call the card company and have them stop it and start the claim filing process.
2007-11-22 03:51:14 · answer #10 · answered by Knuckles™ 7 · 0⤊ 0⤋