It Finally Happened
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RE: It Finally Happened
Had it happen several years ago and it took almost two years and countless hours getting it removed from my credit report. My Daughter is still fighting stuff on her CR, cars, phones, apartments ect. I told her to put a fraud alert on her CR and it has worked, apparently the person(s) who have her SSN have stopped. Been about 6 months now. I agree with the advise being given, check your CR every 6 months to ensure that you have not become a victim. I use my debit card for most all purchases especially on-line. I have two accounts and tranfer only the amount needed for on-line purchases to the account that way if I should lose the # through fraud, they don't rape my account. Plus the Bank will contact me if they see a pattern or question the purchase.
Outstanding HDF Member
Joined: Apr 2006
Posts: 2,395
Likes: 25
From: St George, UT
RE: It Finally Happened
The best way to avoid credit card fraud is to use just ONE card if you must, and ONE debit card for most purchases. Be sure the issuer automatically questions any amount over the $50 guaranteed limit, and for the debit card, sweep excess cash into another non linked account. Check the credit report at least annually, and bank online all possible. Encryption technology is as safe as it can be made. I download into Quicken daily to make sure no one is using my cards. The sooner you know, the sooner you can take steps to alert the issuers. Works for me. Never have any problems.
Road Master
Joined: Jun 2006
Posts: 953
Likes: 8
From:
RE: It Finally Happened
I have had credit fraud before. When I noticed someone in LA purchased some underwear off the internet, I called my bank immediately. The bank looked at my record and said that someone was trying to figure out the numbers on my card because my account had several rejections from a LA corner grocery store. This is before the Motor Co's laptop screwup. Always, always keep an eye on your accounts. The second you sense something wrong, call your bank.
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Tourer
Joined: May 2006
Posts: 385
Likes: 0
From: Riverside, Ca........La Pine, Or
RE: It Finally Happened
Years ago I had one of my cc #s ripped off and found out about it when I got the statement with a $500+ charge for some glasses special ordered by someone in San Francisco ( I was living in Riverside, about 450 miles away at the time)When I called to dispute the charges the stupid a$$ cc people tried to say I went to SF and back in 1 day just for the glasses (when in reality I was at work from 10-7 and had to prove that to them thru my boss!) After getting that charge reversed I was notified shortly thereafter that a purchase was attempted from Malaysia of all places (thieves move fast !!!). I immediately closed that card down. Haven't had any problems with any other cards since....knock on wood.
Banned
Joined: Sep 2005
Posts: 4,341
Likes: 0
From: Dover, Oh
RE: It Finally Happened
you can go to an encrypted site or whatever new fangled crap you want to but the end result is someone STILL has that info somewhere. Does nto matter the protection. The companies that have the best protection for online purchases are still getting card numbers ripped off somehwere down the line where the encryption is not so stringent. It has to go through 4 different companies before the charge is through... sometimes more.
In that case... hundreds of eyes or even thousands of eyes can see your card info.
just get a great card that will remove charges that were not yours.. and be done with it.
In that case... hundreds of eyes or even thousands of eyes can see your card info.
just get a great card that will remove charges that were not yours.. and be done with it.
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