candyman826 Posted March 23, 2003 Report Share Posted March 23, 2003 i was in an accident in 1998 and somewhere between the car and the hospital somebody stole one of my credit cards, but they were nice, they left everything else in my wallet. they proceeded to buy some computers, i got a call a couple days alter from the cc company and then i realized the card was gone, they cancelled it and never made me pay the money. i just now noticed on my equifax it show two lost or stolen cc account for first usa bank, are these entries hurting my score? should i dispute them? Link to comment Share on other sites More sharing options...
Anonymous Posted March 23, 2003 Report Share Posted March 23, 2003 candyman826, run out right now and buy a Lotto ticket! You are one of the very few people with luck. Link to comment Share on other sites More sharing options...
kb9tbq Posted March 23, 2003 Report Share Posted March 23, 2003 Some of the extra stuff on the credit report can really be a turn off (hurts the eyes trying to read and make sence of the report). Have a feeling that it can be viewed negative in some cases, but for the most part it should not hurt the score.Yes, very fortunate for not having you whole purse stolen: About a month ago met a lady who had her whole purse stolen while she was at CHURCH of all places.[Edit by kb9tbq on Sunday, March 23, 2003 @ 08:01 AM] Link to comment Share on other sites More sharing options...
Anonymous Posted March 23, 2003 Report Share Posted March 23, 2003 A fellow worker's wife had her purse snatched while she was in the grocery store and before she could get out of there the thief has already used her check card and checks. Before a couple weeks were up they had all her credit cards used, their checking account nearly wiped out, and all kind of stuff charged against them, even though they reported all of that to the proper people. They eventually filed for chapter 13.They should have fought it but sometimes this stuff gets to be too much for people and when they can't afford the best lawyers they suffer for years. Link to comment Share on other sites More sharing options...
kb9tbq Posted March 23, 2003 Report Share Posted March 23, 2003 Funny thing is that over the last few years a few people calling me - had said they where working with case workers on the id theft. People who contacted them and kept up with their case to help. I have not figured out who all these potential groups are. But soon I will start looking around and try to link what I can find back here for others to find them. Know there to be a few groups out there that can help people. Link to comment Share on other sites More sharing options...
Anonymous Posted March 23, 2003 Report Share Posted March 23, 2003 I think the problem with most of us is that we do not pay attention to our checking accounts that close. When I was younger and made little I counted pennies. Years before retiring, at the top of my career and making lots of bucks, I did not notice small checks in my checking statements. My little wifey sent out all the bills and occasional made them by phone-check. BIG MISTAKE!Anyway, before we moved and we were both busy getting things done, i.e., buying a house, renting truck, all that stuff, taking care of bills, etc., several phone-checks showed up that neither of us remember authorizing. We had opened a savings account with a bank so we could transfer money to pay off the new house and one of the checks that showed up was a “pre-Authorized check from this bank to some account I had no record of. It turned out that it was a Master Card account that this bank had sold to another CC company who changed the number and so on. I filed a complaint with the FTC and the bank, but no word yet. Anyway, it isn’t just low life thieves that steal from you; some banks do it too!This ID theft is a major problem. Before a few year ago I had never known anyone personally who had this happen. But, just this pats year I have found out that at least half my friends and some relatives are fighting ID theft. That’s a lot of people statistically speaking! It seems to be rampant. Link to comment Share on other sites More sharing options...
Anonymous Posted March 23, 2003 Report Share Posted March 23, 2003 P.S., they had better hope I don't get bored and go back to work. While I am not at liberty to discuss my former employer, their reputation preseeds them. Link to comment Share on other sites More sharing options...
kb9tbq Posted March 23, 2003 Report Share Posted March 23, 2003 <blockquote>Originally posted by jeffbeishI think the problem with most of us is that we do not pay attention to our checking accounts that close. When I was younger and made little I counted pennies. Years before retiring, at the top of my career and making lots of bucks, I did not notice small checks in my checking statements. My little wifey sent out all the bills and occasional made them by phone-check. BIG MISTAKE!I have done this myself in the rare case that I knew I was going to miss the due date by mail. But I check my on-line status every few days to keep up on balancing my check book. So it would not go long before I would catch the infraction and be down the banks throat to reverse the withdrawal. Have to do this also with credit cards (don't follow on line - just every month with the mailed statement). We have a company right now - Dircway that keeps trying to take our money. Missed one dispute out of 4 or 5 months and boom they finally got one $50 charge ok-ed. Boy was I mad - will be having to take them to court or something soon, should not be long before they hit our credit report for a collection. Right now they just keep trying to take the money through billing. This is a worthless company don't get mixed up with them. Terrible product / service / and billing.Anyway, before we moved and we were both busy getting things done, i.e., buying a house, renting truck, all that stuff, taking care of bills, etc., several phone-checks showed up that neither of us remember authorizing. We had opened a savings account with a bank so we could transfer money to pay off the new house and one of the checks that showed up was a “pre-Authorized check from this bank to some account I had no record of. It turned out that it was a Master Card account that this bank had sold to another CC company who changed the number and so on. I filed a complaint with the FTC and the bank, but no word yet. Anyway, it isn’t just low life thieves that steal from you; some banks do it too!I send you an attachment for the Summary of Rights, want to find out who the federal agency is for each of these banks involved (yours and the one withdrawing) file complaints with each of these agencies.This ID theft is a major problem. Before a few year ago I had never known anyone personally who had this happen. But, just this pats year I have found out that at least half my friends and some relatives are fighting ID theft. That’s a lot of people statistically speaking! It seems to be rampant.Yes - And each case is different; too many directions to watch and not all can be helped.Some involve parents victimizing children’s credit. Here they will not be able to get electricity / cable. The next thing you know they went delinquent and now the Childs credit is destroyed. Each state has a commission that can be contacted when the utility companies won't investigate fraud cases.Filing Bankruptcy in other peoples names / social security numbers... just as bad. Last year couple found out that when they had applied to re-finance their home (they where turned down) because someone already had a loan on their house and had been paying as agreed with no problems. They could of lost their house - unfortunately she never followed up with me, to know what they had found out and what had been done to fix this.Always tell people to use the opt-out with mail theft (using a po box is a very good idea). Few months before moving (so you can catch all mail that did not get forwarded to the po box before you move).DMV & SSA see out right theft this way with picture id being used / social security number for employment purposes. My sister had this happen. Was her husband that used her SS#, and she needed disability (they sent her copy of all her employment over the years) found a few years to show income range she was never capable of working. So I know this will hurt her for getting disability. She won't set it straight though - just want to kick her, but she just don't know how to fight this & she is scared of getting in trouble (keep telling her it will be worse for not setting the record straight now).The big problem is the investigation & prosecution of these cases - it is just not happening. It pays more to commit the crime than it does to get caught. So if they do get caught, once it is over they go right back to it.</blockquote> Link to comment Share on other sites More sharing options...
retmar Posted March 24, 2003 Report Share Posted March 24, 2003 KB - Did you know you could have your bank make note that electronic debits are not allowed unless you authorize them. We did this at our bank as someone got a hold of the number. Even though we changed numbers, we still did this so there would be no future problems. We have allowed one which is done monthly for our Gym. Check with your bank and see if they will do the same. Link to comment Share on other sites More sharing options...
kb9tbq Posted March 24, 2003 Report Share Posted March 24, 2003 Thanks will definatley get on this - This run around with getting exasperating with the Direcway Company. The are just sneaky enought to find other means to get our money. Link to comment Share on other sites More sharing options...
candyman826 Posted March 24, 2003 Author Report Share Posted March 24, 2003 lol nobody really ever answered whether or not lost or stolen credit card hurts my score Link to comment Share on other sites More sharing options...
sweetpea Posted March 25, 2003 Report Share Posted March 25, 2003 (edited) <blockquote>Originally posted by candyman826lol nobody really ever answered whether or not lost or stolen credit card hurts my score </blockquote>It does not hurt your credit score if the account was left in good standing ________Vaporizer Manufacturers Edited May 12, 2011 by sweetpea Link to comment Share on other sites More sharing options...
sweetpea Posted March 25, 2003 Report Share Posted March 25, 2003 (edited) <blockquote>Originally posted by retmarKB - Did you know you could have your bank make note that electronic debits are not allowed unless you authorize them. We did this at our bank as someone got a hold of the number. Even though we changed numbers, we still did this so there would be no future problems. We have allowed one which is done monthly for our Gym. Check with your bank and see if they will do the same.</blockquote>Good Stuff, Thank You :notsure:________ZX14 VS HAYABUSA Edited May 12, 2011 by sweetpea Link to comment Share on other sites More sharing options...
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