kb9tbq Posted March 29, 2003 Report Posted March 29, 2003 Can we have another section just dealing with ID Theft.Starting to see more & more people here dealing with this problem - thought it would be so much better to have one section to deal with this and carry all related posts to better help each other.Thanks,
Swede Posted March 31, 2003 Report Posted March 31, 2003 <blockquote>Originally posted by kb9tbqCan we have another section just dealing with ID Theft.Starting to see more & more people here dealing with this problem - thought it would be so much better to have one section to deal with this and carry all related posts to better help each other.Thanks,</blockquote>Aren't we all victims of ID Theft......
kb9tbq Posted March 31, 2003 Author Report Posted March 31, 2003 Well there is still a distinction; and different ways to go after them more agressively than the normal means. When you know you have been tag for an account that was a result of ID Theft: Indicators will include addresses you never lived at; alias names you have never used; social security numbers showing on credit report that don't belong to you.When you know for a fact; I strongly suggest going after these more agressively than the DV letters. To instead call the creditor (customer service) and specifically ask for the address for reporting fraud along with the business instruction for submitting proof reasonably that you are processing from all directions for ID Theft and taking the nessassary steps such as filing police report and contacting the special numbers with the CRAs for fraud alert (to obtain free credit report & opt-out options).TransUnion: PO Box 6790Fullerton, CA 92834[email protected]Equifax:PO Box 981222El Paso TX 79998-1222888-766-0008Experian:PO Box 9556Allen TX 75013888-397-3742I just want to make people understand not to fear the creditors in these curcumstances that they should take all reasonable means to hit them head on. There are case workers with special orgainizations that can step in to help with this process.Time is very important in these cases; DV letters take time; they can be calling and faxing confirmation or e-mailing with company contacts to still keep nessasary documentation going; just so important to move faster on these cases.You have to be pro-active on a greater level with these companies - work the case do the investigation yourself and forward all documentation to all companies involved in the matter; keep calling to get updates on thier progress.It just gets flustrating when I see people come in and not state their true possition from the get go; and days later through answers and questions to finally realize you have a person who is ID Theft related instead of credit repair related. Feel that we can sometimes do a greater dis-service when we fail to realize from the start what they are really dealing with.There are so many rules and way to go for fixing various problems: 1. Children who are victims of ID Theft - all corresponce with the CRA has to be done by mail; with the parent sending in their id information as well as the childs. With proof of gardianship.2. Elderly People who are victims & can't handle matters directly themselves - need a Power of Attorney to write in directly with proof of the power of attorney papers and id information on themselves.3. Depending on the type you may also have to contact the Social Security Administration; Post Office; Drivers License Office; Credit Card Companies; FTC; Banks (stolen checks); Utility companies....4. Family memebers opening utility accounts in the persons name. Ex-sposes taking revenge and the such. Abusing their own childrens credit.I have seen just about ever sort of ID Theft - there is not one category; or type of theft:Varies from people using SSN for employment purpose; Filing Bankrutpcy with others people SSN; Mortgage and auto loans with SSN; personal information or mail being stolen. Sometimes if the matter can not be resolved the Social Security Administration can issue New Social Security Number. Sometimes you need more help like contacting local representative in your state for help; or the states attorney; secret service.... there are so may organizations that can be pulled in to help depending on the exact type of ID Theft.There is just so much to this. It is very important and growing by leaps and bounds everyday.
Anonymous Posted March 31, 2003 Report Posted March 31, 2003 More and more my wife and I suspect our identity was stolen sometime in 1994 or 1995. I suppose that some people who steal our identity are family members. Our small family includes a son who is in the Navy and has three kids and a daughter who lives on her own and is doing okay. We raised them to be honest and we do not suspect either one of them. Then after hurricane Andrew we had construction workers in and out of the house for weeks, but that was back in 1992. We had lived there for 20 years then and remained there until late 1996 without anyone contacting us about delinquent accounts. In fact, before moving toVirginia we rented an apartment that required a credit report or check. Both of our credit checks came back clean so we got the lease for the apartment. Since I worked in a sensitive area for both the Navy and Air Force, and in the back yard of the Vice President of the USA, I was required to have security clearances and having had a security clearance for years I had to have mine renewed. A detailed credit check is necessary for each of the renewals and when reviewing my three clearances background checks the credit checks appeared to be in great shape. I saw nothing to give me pause or alarm, so I just forgot it and went on living. So, after living for a few years in Virginia and working in DC I retired and returned to Florida. So, after living here for a year I accidentally clicked on a “Free Credit Check” icon and our of pure curiosity I signed up and received a crummy printout that had a lot of confusing codes and stuff that I had no clue to. It took a while for it to set in. Then One day last April a deputy ran my doorbell with a summons! It was for a Discover Card that was allegedly opened in mid-1995 and several thousands in charges were made then all activity ceased. We were still living there for another year with a single notice from Discover Bank or any collections scum. Of course, that means we did not know beans about this alleged account because most likely the thief sent in a change of address right away and we never knew the difference. When I finally forced the CA to send documents we found that they have our current address printed on each and every statement a though we lived here for the past 10 years!After this we began to notice more and more CA calls and got tired of just hanging up so we opted out of everything and began to look at the caller ID and privacy that screens all unidentified callers. At least that stopped 99% of it. Now one CA even looked up who my lawyer is and called her. She is now collecting information for a lawsuit against the CA. SO, that makes three suits they will handle before it is over.So, the ID thieves are smart because they can steal papers from your home and open accounts or use existing accounts, then change the billing address so the victim doesn’t find out until years later. They use the accounts then abandon them and with the lackadaisical attitudes of these banks and credit card issuers, plus the morons they hire to run their credit departments it is easy to see why there is so much of this kind of thing going around. With all that went on from 1996 until last year we had absolutely no idea that someone had used our names to mount up thousands in charges. Then the OCs never took the time to notify us, even when our address and phone number was out where anyone could find it and the post office forwarded mail for at least a year after we moved – we knew nothing. Then they will not send information that is necessary to investigate the latter, even though the three CRAs claim to do it for you – that is BS. My lawyer even had a hard time getting some of it. This is why some of us out here in the hinterland of thieves and CAs and moronic credit departments need help when we finally find out we are victims of identity theft. But, in the final analysis it is up to us. I just ignore them until they take me to court then sue them back!
kb9tbq Posted March 31, 2003 Author Report Posted March 31, 2003 See Jeff as you have told me; think it important to mention in your case you are not credit driven to push the matter with the creditors to fix. Being retired and not having to rely on your credit so much to get by.Also unfortunately in your case; the accounts are so old; that the original documentation related to your accounts are long gone to show proof in most of your cases.This is one reason others who depend on their good credit need to move fast; if they are able to make the original creditor cough up documentation to help prove the cases for them.You happened to be the most extreme of cases - where discovery did not come to light for many years. There are others that are detectable within a reasonable time period to move on for others.
Anonymous Posted March 31, 2003 Report Posted March 31, 2003 <blockquote>Originally posted by kb9tbqSee Jeff as you have told me; think it important to mention in your case you are not credit driven to push the matter with the creditors to fix. Being retired and not having to rely on your credit so much to get by.Also unfortunately in your case; the accounts are so old; that the original documentation related to your accounts are long gone to show proof in most of your cases.This is one reason others who depend on their good credit need to move fast; if they are able to make the original creditor cough up documentation to help prove the cases for them.You happened to be the most extreme of cases - where discovery did not come to light for many years. There are others that are detectable within a reasonable time period to move on for others.</blockquote>Right. If people are not in need of loans, etc, then you do not find out about bad credit until years too late. It only took them a year to make my CR look criminal! All the charge-offs and what-not came in all at once when I sent for my CR. Anyway, for someone early in their careers they should watch carefully at their credit for signs of mischief. These people can run through your accounts or new ones so fast that it will make you dizzy. The OC’s and CA’s and CRA’s don’t rally care about your problems and you will end up having to hire a $175-$250 an hour lawyer.ID theft is big business among the low life scumbag and dope-heads. We are fairly sure our trouble started when a close neighbor wasn’t looking and her drug addicted daughter-in-law made off with our keys when we were out of town. I will let it pass because if I did find the girl she would not like the worst nightmare that would occur. Some day she will do it to the wrong people and her habit will then end for good. Wwe need some practical discussions on this board about ID theft. I can read all the legal mumbo jumbo all day long and not get as much out of it as what is discussed here. Hey, I am an engineer who uses science to wrk with -- not that maddness they call law![Edit by jeffbeish on Monday, March 31, 2003 @ 02:34 PM]
admin Posted April 3, 2003 Report Posted April 3, 2003 OK, as usual, I bow to the will of the people.
kb9tbq Posted April 4, 2003 Author Report Posted April 4, 2003 Thanks very much Admin - will start pulling information over for others to benefit from.
sisflomi Posted September 5, 2003 Report Posted September 5, 2003 Good work too kbhttp://debt-consolidation-credit-repair-service.com/phpBB2/viewforum.php?f=10
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