Author Topic: help with ID THEFT (Read 9249 times)

creditor · « **on:** October 25, 2012, 02:07:17 PM »

my blood pressure/heart rate is taking an escalation..
I open my email to find out creditsecure alerts me about a significant change on my credit report...
turns out, a hard inquiry from Capital One, that I haven't got any idea what this is all about.
all I know CAP pulled my CR for a credit card application

obviously I'm gonna try to dispute and so on. however should I be worried of id theft and if so, chas"vesh what are my immediate steps ?

I might sound panicking but I always thought of id theft, ad something very hard to get out of. am I right?

thanks for your help

A3 · « **Reply #1 on:** October 25, 2012, 02:08:44 PM »

If you subscribe to creditsecure. Call them. They advertise that you are protected up to a million $$$ if your a member with them

myb821 · « **Reply #2 on:** October 25, 2012, 02:09:04 PM »

Quote from: creditor on October 25, 2012, 02:07:17 PM

my blood pressure/heart rate is taking an escalation..
I open my email to find out creditsecure alerts me about a significant change on my credit report...
turns out, a hard inquiry from Capital One, that I haven't got any idea what this is all about.
all I know CAP pulled my CR for a credit card application

obviously I'm gonna try to dispute and so on. however should I be worried of id theft and if so, chas"vesh what are my immediate steps ?

I might sound panicking but I always thought of id theft, ad something very hard to get out of. am I right?

thanks for your help

first call cap1

Ergel · « **Reply #3 on:** October 25, 2012, 02:09:58 PM »

Freeze your credit reports. Will be free u for life to freeze and unfreeze. Call cap 1 and make sure they don't issue someone else a cc in your name

creditor · « **Reply #4 on:** October 25, 2012, 02:11:20 PM »

Quote from: myb821 on October 25, 2012, 02:09:04 PM

first call cap1

I know, I know. will do. but that doesn't really help my overall concern [wonder if its even gonna do anything but I'll give'm a call neway]

creditor · « **Reply #5 on:** October 25, 2012, 02:14:00 PM »

Quote from: A3 on October 25, 2012, 02:08:44 PM

If you subscribe to creditsecure. Call them. They advertise that you are protected up to a million $$$ if your a member with them

I'm aware of that but I'd first try to find out here anyone with experience etc.
calling CS probably means that first, every time I'll interact with amex its gonna be hell

myb821 · « **Reply #6 on:** October 25, 2012, 02:14:45 PM »

Quote from: creditor on October 25, 2012, 02:14:00 PM

I'm aware of that but I'd first try to find out here anyone with experience etc.
calling CS probably means that first, every time I'll interact with amex its gonna be hell

why dont ur first call cap 1 it might be a mistake before u flip out call them

creditor · « **Reply #7 on:** October 25, 2012, 02:17:22 PM »

Quote from: Ergel on October 25, 2012, 02:09:58 PM

Freeze your credit reports. Will be free u for life to freeze and unfreeze. Call cap 1 and make sure they don't issue someone else a cc in your name

freeze, and then what ? how would that help me feel more secure in the future. besides for credit report, there is other rimifecations of id theft, I suppose

myb821 · « **Reply #8 on:** October 25, 2012, 02:18:09 PM »

Quote from: creditor on October 25, 2012, 02:17:22 PM

freeze, and then what ? how would that help me feel more secure in the future. besides for credit report, there is other rimifecations of id theft, I suppose

if u freeze no can access them how does it not help you feel secure

creditor · « **Reply #9 on:** October 25, 2012, 02:20:31 PM »

Quote from: myb821 on October 25, 2012, 02:18:09 PM

if u freeze no can access them how does it not help you feel secure

I know that, but just by keeping others from attaining credit in my name, doesn't help me when I wanna use credit etc.

besides that I'm not in mood to have freezer-burnt CR's

myb821 · « **Reply #10 on:** October 25, 2012, 02:21:49 PM »

Quote from: creditor on October 25, 2012, 02:20:31 PM

I know that, but just by keeping others from attaining credit in my name, doesn't help me when I wanna use credit etc.

besides that I'm not in mood to have freezer-burnt CR's

u can unfreeze for yourself when u want to apply. but i will say again call cap1!

Saver2000 · « **Reply #11 on:** October 25, 2012, 02:23:57 PM »

Creditor, you don't evrn know what the pull was for or why it happened.

The first thing you should be doing is calling cap1, not posting here. . .

creditor · « **Reply #12 on:** October 25, 2012, 03:14:52 PM »

Quote from: Saver2000 on October 25, 2012, 02:23:57 PM

Creditor, you don't evrn know what the pull was for or why it happened.

The first thing you should be doing is calling cap1, not posting here. . .

+1

compddd · « **Reply #13 on:** October 25, 2012, 03:16:40 PM »

So stop +1ing and posting here and go call them? lol

creditor · « **Reply #14 on:** October 25, 2012, 03:20:29 PM »

Quote from: compddd on October 25, 2012, 03:16:40 PM

So stop +1ing and posting here and go call them? lol

chill man

LeeW · « **Reply #15 on:** October 25, 2012, 03:23:13 PM »

Do you have any cards from Capital one at all?

creditor · « **Reply #16 on:** October 25, 2012, 03:23:45 PM »

Quote from: LeeW on October 25, 2012, 03:23:13 PM

Do you have any cards from Capital one at all?

no

compddd · « **Reply #17 on:** October 25, 2012, 03:41:48 PM »

The creditor, are you related to the predator?

MEIR613 · « **Reply #18 on:** October 25, 2012, 03:47:00 PM »

Quote from: compddd on October 25, 2012, 03:41:48 PM

The creditor, are you related to the predator?

I wouldn't make jokes like that. Its really not fun to be in his situation and I doubt if you would be in it you would want someone to say that

MEIR613 · « **Reply #19 on:** October 25, 2012, 03:54:19 PM »

@creditor did you shop in b and n recently?