Lomit

by Lomit on 05/21/07 : Hey JohanM, all banks currently only offercredit monitoring ID protection. Monitoring is just like that alarm system that some people have in their homes. In the case of the credit monitor, the alarm rings when changes occur in your credit report that might indicate an identity theft in progress. This might be a change in your address, the opening of a new account, or the rapid change in the balance on a credit card you rarely use. In all of these cases, the theft is already underway. Damage will likely be done, regardless of how quickly you act. Furthermore, credit report monitoring does not report changes immediately. Would you want an alarm system that only rings when your television was stolen 45 days ago? For these reasons - it's essential that you have a fraud alert or credit freeze placed on your credit reports at the three major credit bureaus. ...
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by Lomit on 05/21/07 : Hey Lung, thanks for your postive feedback! I'm sorry to hear about problems with Cingular. I have a few tips to help: 1. Call your local police or sheriff's department and file a police report of this identity theft crime right away. If the crime occurred somewhere other than where you live, report the crime there too. Get a police report detailing the crime and ensure that the report lists the fraudulent accounts. You will need to show this report to Cingular, and may need to provide the name and contact information of the investigator who wrote the report. 2. Call Cingular and ask to speak to someone in their fraud department. Tell them what happened and send them a copy of your police report. Ask them to promptly clear your name, and tell their collection agency to stop harassing you. 3. Contact Identity Theft Resource Center for more info: http://www.idtheftcenter.org ...
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