clauderainsrm (clauderainsrm) wrote in therealljidol,
clauderainsrm
clauderainsrm
therealljidol

Green Room - Week 16 - Day 3

I always tell people "Don't be me". Because being me is a horrible thing and no one should have to go through that.

Apparently, there was someone who wasn't listening.

Which is why I'm now going through the process of filing an Identity Fraud report.

Someone got my information and tried to open up a Sears account. Which is why it's pretty clear that these people are idiots: (1) Last time I checked, Sears was in pretty bad shape financially and more importantly (2) I haven't had a credit card in so long that now I have "insufficient credit". Which isn't anything to brag about - but in this case it did end up helping me because their attempt was denied and I received the notice in the mail.

Because I didn't know - here are some things to do if that happens to yo (Note: If you are not in the US, do something else) Contact one of "The Big 3" credit reporting companies: Experian, TransUnion and Equifax to report it. Contacting one of them for a credit freeze will contact them all. Order a free copy of your credit report. You will need it. annualcreditreport.com

Go to the Federal Trade Commission's Id theft site https://www.identitytheft.gov/ and file a statement with them as well. That statement can *then* be used to file a police report (I found out this morning that there was a step that no one told me). Then set up an appointment to speak to a Fraud CSO at your local police department.

Once you have a police report on the incident, you can place a 7-year free-of-charge freeze/watch on your credit. (so that anyone trying to use it will trigger them contacting you to make sure it's actually you before issuing it)

The next step is, of course, tracking down the criminal and beating them to death with a baseball bat. That's called the Negan Fraud Protection Plan.

The upshot of all of this, is, as always: Don't Be Me.

Instead, Be You and write something for this week's topic: http://therealljidol.livejournal.com/1007141.html
Tags: day 03, green room, season 10, week 16
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