Question by srh: If I alert credit agencys of possible ID theft, would that lower my credit score?
I recently lost drivers license and believe that I may have been pick pocketed. I reported To police, DMV and credit agencys. I’m also getting free reports and I believe fraud alerts last for 90 days. If I want to extend, I will have to send credit agency a police report. My question is…Is it possible to steal identity with drivers license? Will reporting possible theft of drivers lic. hurt my credit?
Best answer:
Know better? Leave your own answer in the comments!
February 26, 2012
If I alert credit agencys of possible ID theft, would that lower my credit score?
January 24, 2012
Man sentenced to 17.8 years in credit fraud, identity theft
Man sentenced to 17.8 years in credit fraud, identity theft
23, 2012, for his character inside what authorities call among the biggest credit card scam schemes inside US history. Adekunle Adetiloye was sentenced Jan. 23, 2012, for his part inside what authorities call among the biggest credit card scam schemes inside US history …
Read more on USA TODAY
Not even kids safe from identity theft
Millions of instances of identity theft are reported inside the United States every year. And though nearly all of the victims are adults, youngsters are not immune with having their identities stolen. Indeed, according with specialists, kids frequently create simpler targets …
Read more on Chicago Tribune
Newport man sentenced to federal prison for fraud, identity theft
Billy Chad Reese, 39, had earlier pleaded guilty with unauthorized employ of access equipment for credit or debit automobile scam, identity theft, plus possession of the firearm with a convicted felon. In his plea agreement, Reese accepted which he, his spouse Christy …
Read more on Knoxville News Sentinel
ID Thief Had a Lot of Chutzpah
Sharif John Reid, of League City, pleaded guilty with aggravated identity theft plus access device scam. He furthermore might be fined $ 250000. He was nabbed at the 3rd Apple shop he visited which day. Reid tried with purchase Apple iPads plus iPhones at a Houston …
Read more on Courthouse News Service
December 25, 2011
id fraud how is it possible? wouldnt applications for loans and credit cards be coming to my address?
Question by ponters45: id scam how is it potential? wouldnt applications for loans and credit cards be coming to my address?
when somebody knew my name, address, plus date of birth?
Best answer:
Answer by mega,bus
not required
a individual can find a Pre approved credit card application you might
have tossed anyway it may have your address
and the theft can cross out the address which was provided
or occasionally they might find a credit card receipt
and then call up the credit card business state “You” Moved
to this address plus (occasionally they would go because far
because filing a change of address form with the post office
(this route isn’t utilized because much today result the post office
today sends a confirmation letter to both old plus brand-new address)
Give your answer to this question below!
December 22, 2011
I.D and Credit Fraud
I.D and Credit Fraud
In our hard times ID and credit fraud is on the rise. People today may steal your i . d . for a few purposes just like: obtaining a credit card, medical insurance, and to get a job just to name a few reasons. Many people’s lives are wrecked every year because of this awful crime.
Luckily for us, there are expert services that can deter ID and bank card fraud. Such services are great and they’ll keep your personal identity as safe and sound as possible. The way they make this happen is by keeping an eye on your credit report by the 3 credit report bureaus; Experian, Trans Union, and Equifax. Whenever anything new is added to any of your three credit reports you will be notified by an email alert at once from the identity theft help so you will know right away if something does not seem right.
Also, more exceptional benefits to having credit and identity protection is that if unfortunately your identity was stolen they will help you modernize your credit to pre theft status at no additional cost.
These programs may do more than just monitor your three credit reports and help you fix past and present identity theft problems, they will also show you reports of all of the public databases that have access to your credit and private information.
They might also aid we delete your info from those databases thus your identity might not fall into the incorrect hands of the criminal.
I personally think such services are first-rate because if you do fall victim to this crime it will be noticed right away. Credit and identity theft can sometimes go months or even years without being noticed and can potentially cost you a lot of money and time trying to fix the damage that can ruin your life.
There are numerous people who are dealing with the results of identity theft right now, so having a fantastic protection service can allow you some peace of mind in knowing that you will have some insurance in case an identity thief decides to come after you and your family.
You can take a few steps yourself by shredding all of your intimate information and not giving out the social protection amount when it is not required.
Get the best identity theft protection you can find with one of these online services that track your personal information for you. You can find help for child identity theft as well, which is more and more common.
I am wondering if there is any way to make it impossible to open a credit card in my name?
Question by Heike B: I am wondering if there is any way to make it impossible to open a credit card in my name?
I very worried about credit card security and that people in this country can use credit cards that are not in their name. So I would like to make it impossible for anyone to get a credit card in my name. I would like to have something on the record that no credit card should be issued in my name unless my ID is veryfied in person. I read about assign freeze, but it seems that this does not protect completely. I also read about placing a fraud alert, but can I do that just as prevention? Without an actual identity theft held taken place? Is there one agency I can contact or do I have to contact every single credit card company?
Best answer:
Answer by Mike
You can pose a security freeze on your credit report.http://www.experian.com/consumer/security_freeze.htmlAlso good information here, but the website sounds lame:http://www.stopbuyingcrap.com/assign-related/credit-freeze/
Know better? Leave your own answer in the comments!
December 10, 2011
Credit Card Fraud Identity Theft Prevention 2of2 www.IDTheftSecurity.com

Two women who were victims of Credit Card Identity Theft, fraud and new account ID theft speak out. 2of2 www.IDTheftSecurity.com
Video Rating: 4 / 5
November 15, 2011
how do i put fraud alert on my account so no one can aplly for credit in my name? i see possible id theft?
Question by Rayne: how do i put fraud alert on my account so no one can aplly for credit in my name? i see possible id theft?
occurring and on my credit report it seems the same things are listed over and o’er again, why is that? also i dont want anyone to be able to apply for anythng in my name. the company who did my impute check is called mind your business inc, are they whatsoever good?
Best answer:
Answer by CatDad
First, you have the right to dispute any inaccurate info on your credit file, here’s how: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtmIf this is ID theft, then here is a good article about the demand steps to take, including putting fraud alerts on your credit files: http://www.privacyrights.org/fs/fs17a.htm
What do you think? Answer below!
October 25, 2011
Q&A: I am wondering if there is any way to make it impossible to open a credit card in my name?
Question by Heike B: I am wondering if there is any way to make it impossible to open a credit card in my name?
I very worried about credit card security and that people in this country can use credit cards that are not in their name. So I would like to make it impossible for anyone to get a credit card in my name. I would like to have something on the record that no credit card should be issued in my name unless my ID is veryfied in person. I read about attribute freeze, but it seems that this does not protect completely. I also read about placing a fraud alert, but can I do that just as prevention? Without an actual identity theft had taken place? Is there one agency I can contact or do I have to contact every single credit card company?
Best answer:
Answer by Mark
You can act steps to cut and theoretically stop people from getting a card in your name. Check you states Attorney Generals office and search Credit Freeze. This is intended to stop the issue of credit for that/ your SSN. Some companies are lazy and will issue credit anyway (cellphones, in store accounts, utilities, etc). With the freeze in place you have a solid inspected that any issued credit is not your responsibility. A remark on the freeze: This will not foreclosing thieves from using existing accounts that you already have open.One strategy I teach in my seminars is to have one main credit card for sudden emergencies (ie large expenses- airfare, car repairs). A card that you can use more often could be a prepaid assign card. Only keep on that card what you are going to be using on a weekly basis or something like that that will give you peace of object.I call this approach Conscurity. It is a term I coined for my first book on Identity Theft. It means to find the balance of convenience and security in your life. That balance point is different for everyone.If you keep very close track of your credit card statements you can curb fraudulent charging, just by verifying every charge on the statement. You do have a 60 day window to dispute any charges that you do not recognize. Your card company will near likely go ahead and dispute the charge for you electronically, but an added safety measure is for you to also dispute it in writ ting in order to create a paper trail with specific dates of actions.
Give your answer to this question below!
October 11, 2011
He was convicted of ID theft and credit card fraud, but he says that he..?
Question by Lisa S: He was convicted of ID theft and credit card fraud, but he says that he..?
…didn’t know that it was a felony!!! How could this be? I recently got a hold of his entire case, and it is clearly a felony. Is it possible to be charged with a felony and just not know? I mean, this sounds like bologna to me. He had to know that it was a felony. What do you all think?
Best answer:
Answer by ranger_co_1_75
Would a criminal lie to you? I think you are on the right introduce. You can make a lot of Bologna sandwiches with what this guy is telling you.
What do you think? Answer below!
September 27, 2011
Credit and ID Theft Protection Tips for College Students
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August 20, 2011
Q&A: Paypal needs tracking verified to credit **SCAM??**?
Question by K: Paypal needs tracking verified to credit **SCAM??**?
i hhad a long conversation with this person on craigslist and i got 2 legit emails (or so i think) that say for protection of both the sender and the receiver, paypal is holding the money until i ship the item and confirm through tracking, the address was from ” service@paypal.co.uk “here is the 1st email” From: service@paypal.co.uk (funding.requirement@consultant.com)Medium riskYou may not know this sender.Mark as safe|Mark as unsafeSent: Tue 9/09/08 3:22 AMReply-to: funding.requirement@consultant.comTo: kevingatch@hotmail.comPayPalDear kevingatch@hotmail.com,This email confirms that you have received $ 530.00 USD from trogers@eufaula.rr.comRuth Elaine is a Verified BuyerView the details of this transactionPayment DetailsTransaction I.D: 5Y758872CS5622823Item Title Quantity Price SubtotalIpod Touch1 $ 430.00USD$ 430.00. USDShipping & Handling via Usps Expressmail Intl(includes any seller handling fees) $ 100.00USDShipping Insurance (optional) : –Total: $ 530.00 USDShipping InformationAddress: Name:Phillip JamesAddress;block 11,academy roadCity:IbadanState:Oyo stateCountry:Nigeria23402Address Status: Confirmed Note:Ruth Elaine has provided a confirmed Address and want you to ship the item via Usps international priority mail(EMS) to this address .Ruth Elaine supplied Confirmed Address and Payment has been “CONFIRMED” fund will be credited into your am, Note that shipment will be verified before the payment can be credited into your account.We therefore implore you to dispatch the item and provide the Customer Care segmentedverified.helpdesk@representative.com An evidence of (Postage Receipt or Tracking number and the Courier Service).You will then be sent an URL that will link you into your account.This is to secure both the buyer and the seller. Bear with us for any inconveniences this might have caused you.Copyright © 1999-2008 PayPal. All rights reserved. PayPal (Europe) Limited is authorized and modulated by the Financial Services Authority in the Europe as an electronic money institution. PayPal FSA Register Number: 356007.Thank you for using PayPal!The PayPal Team PayPal Email ID PP370″HERE IS THE 2nd” RE: **** A WEALTH OF PROTECTION FOR OUR CUSTOMER****From: kevin g (kevingatch@hotmail.com)Sent: Tue 9/09/08 4:53 PMTo: funding.requirement@consultant.comDate: Tue, 9 Sep 2008 02:34:30 -0700From: funding.requirement@consultant.comSubject: **** A WEALTH OF PROTECTION FOR OUR CUSTOMER****To: kevingatch@hotmail.com A Wealth of Protection for Our Customer Your protection is one of PayPal’s biggest priorities. By using the very latest in secure technology and employing a large team of experts in all areas of online safety, PayPal continues to be a leader in safe online payments around the world.PayPal protects her customers in ways that many other financial institutions do not. For instance, card issuers often charge for their fraud prevention tools, but at PayPal you’ll find the same tools for free. Not only that, but unlike many of our competitors, PayPal’s fraud experts work behind the scenes, monitoring activity and possible fraud indicators to help ensure an extremely safe network.Read about:PayPal versus the Competition | Prevention | Action and ResolutionDear (kevingatch@hotmail.com), This message is originated from PayPal company.We have received an order from our client Ruth Elaine regarding the payment made to your PayPal account.The payment has been successfully made but due to security reason we have to receive the shipment tracking totalling that will be given to you after shipping the item to the buyer specify ask before the next 24 hours for the processing of your order. This a new measure we are taking to protect both our sellers and buyers against fraudulent customers.Once you have shipped the item send us the shipment tracking amounting for verification after the tracking totalling has been verified your account will be credited instantly. This PayPal® payment has been deducted from the buyer’s account and has been ” APPROVED ” but will not be credited to your account till the shipment reference/tracking totalling is sent to us for shipment verification so as to secure both the buyer and the seller. Below are the necessary information requested before your account will be credited. Send track totalling to us or email us through this mail verified.helpdesk@representative.com **PLEASE NOTE**Once shipment has been verified and the tracking coming sent to us, You will receive a “CONFIRMATION Email” from PayPal® informing you that the Money has been credited.Note: Craigslist and PayPal will be responsible for the item loss or damage once we receive the tracking amounting. Thank you for us
Best answer:
Answer by v b
It’s a scam. Don’t reply.The email you supposedly got from “paypal” was an elaborate FAKE email put together by the scammer. Paypal is NOT an escrow service and they NEVER hold money pending confirmation of shipping.Your scammer is trying to get you to send the item for free. The fact they want you to send it directly to them in Nigeria is a BIG clue. (Though people have fallen for this scam with shipping addresses in many different countries.) Didn’t you also catch on when the email address for sending proof of shipment didn’t include paypal in the name? Or the lack of suited English?
Add your own answer in the comments!
July 28, 2011
Identity Theft and Credit Fraud Protection – Michael Madsen and Experian
acreditcard.info What’s in Your Wallet? Get % Interest fee now!
Federal prosecutors in New Jersey say 53 people are charged in a widespread identity theft and fraud investigation. The US Attorney’s Office says the scheme spanned several states. (Sept. 16)
Video Rating: 4 / 5
June 24, 2011
From Credit-man to God?s-man: Believe, Love and Make Friends. – This is not About Credit Repair, Credit Score, Credit Repair, Id Fraud or Mortgage
From Credit-man to God?s-man: Believe, Love and Make Friends. – This is not About Credit Repair, Credit Score, Credit Repair, Id Fraud or Mortgage
Doesn’t matter who you are, first you are a human. God’s creation, and God’s gift to the world. Whether you believe in him or not, we are all brought to this world (born) to serve our purpose, to live and experience the ups and downs of life, to cry and laugh, to share the same with others. You know that this life’s eternity is not promised to anyone. What we do on earth is the reflection of how we want to be treated. As we leave this world, some of us want to be remembered for our good deeds and some may not want to be remembered at all. The choices are yet our own.
Whether you believe in God or not, whatever your goal in life is, I hope the article below puts tears of JOY, LOVE and HOPE in your eyes, heart and mind. I hope it pushes you closer to your friends and brighten your days as you’ll do the same for others. My repeated message has been “Do to others as you want to be done to you.”
The following article has no mention of finances, credit repair or credit score. It is all about you, the God’s creation and your love for another human being.
Best of luck.
Mike Samadi
THE OLD FISHERMAN
Our house was directly across the street from the clinic entrance of Johns Hopkins Hospital in Baltimore . We lived downstairs and rented the upstairs rooms to out-patients at the Clinic.
One summer evening as I was fixing supper, there was a knock at the door. I opened it to glimpsing a truly awful looking man. “Why, he’s hardly taller than my eight-year-old,” I thought as I starred at the stooped, dried-up body.
But the appalling thing was his face, lopsided from swelling, red and raw Yet, his voice was pleasant as he said, “Good evening. I’ve come to see if you’ve a room for just one night. I came for a treatment this morning from the eastern shore, and there’s no bus ’till morning.”
He telling me he’d been hunting for a room since noon but with no success; no one seemed to have a room. “I guess it’s my face. I know it looks terrible, but my doctor says with a few more treatments…”
For a moment I hesitated, but his next words convinced me: “I could sleep in this rocking chair on the porch. My bus leaves early in the morning.” I told him we would find him a bed, but to rest on the porch.
I went inside and ruined getting supper. When we were ready, I asked the old man if he would join us. “No thank you. I have plenty” And he held up a cooked paper bag.
When I had finished the dishes, I went out on the porch to talk with him a few minutes. It didn’t take a long time to see that this old man had an oversized heart crowded into that tiny body. He told me he fished for a living to support his daughter, her five children and her husband, who was hopelessly crippled from a back injury.
He didn’t tell it by way of complaint; in fact, every other sentence was prefaced with thanks to God for a blessed. He was grateful that no pain accompanied his disease, which was apparently a form of skin cancer. He thanked God for giving him the strength to keep going.
At bedtime, we put a camp cot in the children’s room for him. When I got up in the morning, the bed linens were neatly folded, and the little man was out on the porch.
He refused breakfast, but just before he left for his bus, haltingly, as if inquire a great favor, he said, “Could I please come back and stay the next clock I have a treatment?
I won’t put you out a bit. I can sleep fine in a chair.” He paused a moment and then added, “Your children made me feel at home. Grownups are bothered by my face, but children don’t seem to mind.” I told him he was welcome to come again.
And on his next trip he arrived a little after seven in the morning. As a gift, he brought a big fish and a quart of the largest oysters I had ever seen. He stated he had shucked them that morning before he left so that they’d be nice and fresh. I knew his bus left at 4 a.m. , and I wondered what time he had to get up in order to do this for us.
In the years he came to stay overnight with us there was never a time that he did not bring us fish or oysters or vegetables from his garden.
Other times we received packages in the mail, always by peculiar delivery; fish and oysters packed in a packaged of fresh young spinach or kale, every leaf carefully washed. Knowing that he must walk three miles to mail these and wise how little money he had made the gifts doubly precious.
When I received these little remembrances, I often thought of a comment our next-door neighbor made after he left that first morning. “Did you keep that awful looking man last night? I turned him away! You can lose roomers by putting up such people!”
Maybe we did lose roomers once or twice but, oh! If only they could have known him, perhaps their illness would have been easier to carried. I know our family always will be grateful to have known him; from him we learned what it was to accept the bad without complaint and the good with gratitude to God.
Recently I was visiting a friend who has a greenhouse. As she showed me her flowers, we came to the most beautiful one of all, a golden chrysanthemum, bursting with blooms. But to my great surprise, it was growing in an old dented, rusty bucket. I thought to myself, “If this were my plant, I’d put it in the loveliest container I had!”
My friend changed my mind. “I ran short of potted,” she explained, “and knowing how beautiful this one would be, I thought it wouldn’t mind starting out in this old pail. It’s just for a little while, till I can posed it away in the garden.”
She must have wondered why I laughed so delightedly, but I was imagining just such a scene in heaven. There’s an especially beautiful one, “God might have said when he came to the soul of the sweet old fisherman. “He won’t mind starting in this small body.”
All this happened long ago — and now, in God’s garden, how tall this lovely soul must stand.
The LORD does not look at the things man looks at. Man looks at the outward appearance, but the LORD looks at the heart.”
Friends are very special. They make you smile and encourage you to succeed. They lend an ear and they share a word of praise. Show your friends how much you care.
Pass this on, and brighten someone’s day.
Nothing will occur if you do not decide to pass it along.
The only thing that will happen if you do pass it on is that someone might smile (or cry like I did…)~ because of you!
**********************************************************************************
Friends are special Hugs from GOD!
The Author of “the Old Fisherman” is someone other than Mike Samadi. They have no affiliations
Any questions? Go to Q & An of www.MasterCreditRepair.net, read and post. Go to the “Comment” page and post your story or comment.
May 6, 2011
Online Credit Report Says Don’t Become A Victim of ID Fraud
Online Credit Report Says Don’t Become A Victim of ID Fraud
Having our personal information stolen by Id fraudsters is higher than most of us would believe. These criminals use the stolen information to obtain credit cards, personal loans and finance agreements in our names that we are responsible for. Id fraud is on the increase and the banks and finance institutions do not want to acknowledge the full extent of the problem. Read on to find out more…..
And if you’re thinking of packing your bags and moving overseas to escape the crooks, forget it – Money Saving Expert found that 42 per cent of fraud took place out of the UK.
So you could become the latest ID fraud vitim? More importantly, what can you do to prevent it?
What’s the point of ID fraud?
ID fraud is an identical lucrative business. If criminals tin get hold of enough of your personal data, they can plum out your existing accounts and set up new ones, running up debts in your name and trashing your credit rating in the process.
How do they do it?
New scams are always emerging but here are some of the most common:
• Stealing your handbag or wallet to get hold of key information such as your full name, address, date of birth, perhaps a cheque book and a fistful of cards
• Raiding your waste bin in the hope that you have thrown away bank, card or loan statements
• Phishing – sending you an e-mail purporting to emanate from a bank, building society, lottery company or someone with a lot of money to infect off and inquiring you to participate entire personal and account data in order to reset your security measures/claim a prize/whatever they’ve conceived up this week
• Snooping on societal networks, looking for canonical personal information plus names and dates – children, pets, anniversaries – that might be used as passwords or PINs
• Copying your details from a card or ID when you use them lawfully in a shop or other outlet
When will I know I have been rent forth?The first you cognize anything is when you get a welcome letter from a credit card account you’ve ne’er heard of, you may have notification of a debt you don’t recognise or get turned downward for credit circumstantially. Your post might not twist up because it’s been intercepted or redirected. You may just detect an unfamiliar transaction on your bank or card statement.
The most mutual way to support ID fraud, according to the 2009 Victims of Fraud report from Experian credit report, is by checking your online credit report. Your credit report lists your credit card, loan and bank accounts and repayment history, so it’s easygoing to spot anything unfamiliar. Unfortunately, you could be in large trouble by the time you get this far – Experian’s Victims of Fraud support service discovered that, on mean, the people it aided last year took 416 days to notice what was going on.
Can you get my money rearward?
If you have acted responsibly, you should. That means you haven’t shared your PINs and passwords, given your card or cheque book to someone and have stated the relevant organisation as soon as you surmise something’s incorrect – for example, if you’ve lost your wallet or things have moved missing in a burglary. The terms and conditions of any account may qualify a little excess that you have to pay before they step in. The Infoseceurity survey found that 91 per cent of people who lost more than £5,000 got all their money back, while only 41 per cent of people who lost less than £100 were fully compensated – although this may have something to do with the persistence of the people involved.
What if new accounts have been set up in my name?You should get in engage with the relevant lenders immediately their contact details are on your credit report – and inform them what’s happened. You’ll need to supply proof. Experian’s Victims of Fraud service may be able to help you with this. Your aim should be to get the account cancelled and taken from your credit report – while they’re still there, you may find it difficult to obtain a new credit card, personal loan or bank current account, as lenders will see the chaos caused by the fraudster and may believe that you’re irresponsible and a bad risk.
How can I avoid becoming a victim?
Make sensible precautions part of everyday life. The Home Office recommends regular checks on your credit report as a good protection against ID fraud – the sooner you learn to spot a problem, the easier it will be to resolve.
Take the following steps:
• Shredding statements and other sensitive documents before binning them.
• Checking your statements carefully every month and always query unfamiliar entries.
• Limiting the information you put up on social networks to your name only if possible.
• Always delete unsolicited e-mails, never clicking through to linked websites and ignoring cold callers who ask for personal data.
• Never sharing your PINs, passwords, carding or other account information.
• Do not let anyone take your credit card or debit card out of your sight in shops, restaurants or hotels in case it’s being cloned in a back room.
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