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curious mom | Can some one apply false charges on my credit history.? |
I recd a call from this person who claims to be from a credit and collection company. he declared that i have a company and i haven't paid someone a big amount. he has the last 4 digits of my SSN right and my old mailing address- pls advice what should i do???
For your information- i have initiated or own and company or owe money to anyone
Additional Details
I mis-spelt earlier, want i wanted to say - was that I DON'T OWN any COMPANY nor OWE ANYONE ANY MONEY |
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∞infiniti∞
 |
Yes identiy theft is quite common. If the call was from a collection agency, you should ask them to send you a letter explaining why they called within five days after calling you. After you receive the letter, you have thirty days to respond by asking them to verify the alleged debt. |
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mamanook
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Very easily. Identity theft is a HUGE problem. I would recommend NOT giving this person ANY information at all about yourself, especially your entire SS#, your current address, etc. You should ask to speak to his supervisor the next time he calls. Get the name, address and 'phone number of the collection agency he claims to be working for, and tell them you want a detailed breakdown of the charges they are claiming you made- dates, amounts, locations, everything. Then call the three credit reporting companies- Equifax, Experian, and Trans Union (your bank should have the 'phone numbers, or just Google the names). I would call them and report what has happened to you and that you suspect fraud. You might also want to request a credit report from one of them. Good Luck! |
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mrs_squier81906
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Call the credit card company that he says the account is from to confirm if the account exists. If it does and you never opened it you could be a victim of identity theft. Act on this QUICKLY identity theft is a whole pandora's box of problems. If it is ID theft the debtor can delete the account from your credit report. |
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The Mokoda
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OK, this is being answered from the standpoint that the caller was legitimate!
A "creditor" calling you with the last 4 of your SSN and an old address? Smells fishy to me.
My suggestion, before you get too flustered, is to have this person (has he even called again?) mail or fax you a copy of a signed agreement in your name. If he's not willing to do that, then he's probably trying to GET your indentity information!
If he does, then you can go from there. |
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The MortgageGuy
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All that is needed to steal someones ID or put something on someones credit as you say,is a persons date of birth and social security number. The simple thing to do is buy some credit protection services. The hard thing is to contact all 3 burrows yourself and pay them to investigate. Your caller is not a legitimate collection company. A collection company will ask you for your info NOT tell you part of it ! (He told you your last 4 to get you to give him the rest). Where did he get the info in the first place? The answer is easy its public records. If I know your last name and what city you live in. I can get your date of birth and social security number . It is all perfectly legal. I can help you protect yourself contact me at JackJFallucco@Yahoo.com. I have a credit protection service. |
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law guy
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Go here. you probably got you ID stolen
http://www.ftc.gov/bcp/edu/microsites/idtheft/ |
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getriel1
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Did you give him any information? like your full ss#? I would pull a credit report from all 3 bureaus then verify any wrong things on there.You can contest(write them) anything on your credit report.NEVER EVER give any information private information over the phone.Get on top of things now in case it's idenity theft. |
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territheterribleliar
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yes and its a mess to clean up. my husband has his identity stolen some years ago, and we just found out. the guy who still his identity was put in prison and used his name a social security and birth day on the police record. now my husband has a police record, of attempted murder in another state that hes never even been in. |
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Jay
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Yes, this can happen, it happend to me. They had gotten ahold of my account and were depleteing my funds.
Report this to the us federal better business burea, and report what is on your credit. Also, get on to veiw your credit online, like www.freecreditreport.com to see yourself what exactly is on it. It will give you the option of disputing it. Or it may not be on there at all and those phone calls are just trying to scam you.
Good luck to you |
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