Comments for The Identity Theft Guardian http://theidentitytheftguardian.com Tue, 06 Jan 2009 21:36:04 +0000 http://wordpress.org/?v=2.6 Comment on if your charged with felony burglary and felony identity theft and misademenor petty theft can you get probat? by Catherine G http://theidentitytheftguardian.com/if-your-charged-with-felony-burglary-and-felony-identity-theft-and-misademenor-petty-theft-can-you-get-probat#comment-231 Catherine G Tue, 06 Jan 2009 23:09:25 +0000 http://theidentitytheftguardian.com/if-your-charged-with-felony-burglary-and-felony-identity-theft-and-misademenor-petty-theft-can-you-get-probat#comment-231 Your priors will always count against you, I would advise you to get a lawyer. You are most likely looking at some jail time unless you get a good lawyer. Or if you were on any type of drugs at the time and your state has a Drug Court program I would go for that. It is intense probation and *** test like twice a week but after the 2 year program it wipes you slate so to speak. Only shows Drug Court. Or at least that is how it works here. Your priors will always count against you, I would advise you to get a lawyer. You are most likely looking at some jail time unless you get a good lawyer. Or if you were on any type of drugs at the time and your state has a Drug Court program I would go for that. It is intense probation and *** test like twice a week but after the 2 year program it wipes you slate so to speak. Only shows Drug Court. Or at least that is how it works here.

]]> Comment on What can we do to protect ourselves if a relative decides to commit identity theft? by lnunley25 http://theidentitytheftguardian.com/what-can-we-do-to-protect-ourselves-if-a-relative-decides-to-commit-identity-theft#comment-38 lnunley25 Tue, 06 Jan 2009 15:14:56 +0000 http://theidentitytheftguardian.com/what-can-we-do-to-protect-ourselves-if-a-relative-decides-to-commit-identity-theft#comment-38 You have access to a free credit report every year. So take advantage of that, not only do you have to worry about that relative you have to worry about others also. Especially if you use your card on-line to sites that aren't completely secure. If you do find something on your credit report that looks fishy. Get the address of all three credit agencies, Experian,Equifax,and Transunoin. Request your free report and you must file a dispute. A hundred words or less. After that occurs get in touch with each company that you see on their that you didn't authorize any type of debts. Once so they will have to investigate ,return your money and they could possibly face criminal charges (depending on you) for using your information without you actually giving consent. I hope the advice that I have given helps you. Good Luck and God Bless you and your family. You have access to a free credit report every year. So take advantage of that, not only do you have to worry about that relative you have to worry about others also. Especially if you use your card on-line to sites that aren’t completely secure. If you do find something on your credit report that looks fishy. Get the address of all three credit agencies, Experian,Equifax,and Transunoin. Request your free report and you must file a dispute. A hundred words or less. After that occurs get in touch with each company that you see on their that you didn’t authorize any type of debts. Once so they will have to investigate ,return your money and they could possibly face criminal charges (depending on you) for using your information without you actually giving consent. I hope the advice that I have given helps you. Good Luck and God Bless you and your family.

]]> Comment on What are the consequences when identity theft happens to you? by RantingLover http://theidentitytheftguardian.com/what-are-the-consequences-when-identity-theft-happens-to-you#comment-283 RantingLover Tue, 06 Jan 2009 13:59:36 +0000 http://theidentitytheftguardian.com/what-are-the-consequences-when-identity-theft-happens-to-you#comment-283 First, I want to comment on that fact that having someone use your card fraudulently is not identity theft. Identity theft has a noticeable effect on your credit, while what you're talking about does not. Identity theft is when someone opens a line of credit in your name using identifying information such as name, social security number, birthdate, address, etc. That is what is going to cause problems with your credit. Having someone using your credit card fraudulently, while annoying, is not going to cause you the pain of identity theft. Generally, you want to let your credit card company know as soon as you notice charges you don't recognize. Federally law says you responsible for $50 or $100 depending on how long it takes you to let your credit card company know about the charges. Within 2 days and it's $50, within 60 days and it's $100. After that, unless there is extenuating circumstances (in the hospital, out of the country, etc) you're responsible for the full amount. Most credit card companies go above and beyond the required federal minimum and don't require any payment. But, that's up to the credit card company. Hopefully you're catching the fraud before you pay for it, by making sure that you're looking at your monthly statements and making sure everything is valid. In that case, you would not be required to make a payment on the fraud charges. If you do make a payment on a charge you didn't make, then yes, usually you'll get a credit to that account while the bank does it's investigation. There's usually no investigation into who the perpetrator was, it's not worth the time or effort, at least on the part of the banks. If you want to go to the police, the banks will certainly help as much as possible. And, no, that really won't have an affect on your credit score. First, I want to comment on that fact that having someone use your card fraudulently is not identity theft. Identity theft has a noticeable effect on your credit, while what you’re talking about does not.

Identity theft is when someone opens a line of credit in your name using identifying information such as name, social security number, birthdate, address, etc. That is what is going to cause problems with your credit.

Having someone using your credit card fraudulently, while annoying, is not going to cause you the pain of identity theft.

Generally, you want to let your credit card company know as soon as you notice charges you don’t recognize. Federally law says you responsible for $50 or $100 depending on how long it takes you to let your credit card company know about the charges. Within 2 days and it’s $50, within 60 days and it’s $100. After that, unless there is extenuating circumstances (in the hospital, out of the country, etc) you’re responsible for the full amount.

Most credit card companies go above and beyond the required federal minimum and don’t require any payment. But, that’s up to the credit card company.

Hopefully you’re catching the fraud before you pay for it, by making sure that you’re looking at your monthly statements and making sure everything is valid. In that case, you would not be required to make a payment on the fraud charges.

If you do make a payment on a charge you didn’t make, then yes, usually you’ll get a credit to that account while the bank does it’s investigation.

There’s usually no investigation into who the perpetrator was, it’s not worth the time or effort, at least on the part of the banks. If you want to go to the police, the banks will certainly help as much as possible.

And, no, that really won’t have an affect on your credit score.

]]> Comment on if your charged with felony burglary and felony identity theft and misademenor petty theft can you get probat? by KC http://theidentitytheftguardian.com/if-your-charged-with-felony-burglary-and-felony-identity-theft-and-misademenor-petty-theft-can-you-get-probat#comment-230 KC Tue, 06 Jan 2009 10:26:56 +0000 http://theidentitytheftguardian.com/if-your-charged-with-felony-burglary-and-felony-identity-theft-and-misademenor-petty-theft-can-you-get-probat#comment-230 It may not hurt you since you were not convicted. Yes it is possible to get only probation. It may not hurt you since you were not convicted. Yes it is possible to get only probation.

]]> Comment on What can we do to protect ourselves if a relative decides to commit identity theft? by candleinthewind7579 http://theidentitytheftguardian.com/what-can-we-do-to-protect-ourselves-if-a-relative-decides-to-commit-identity-theft#comment-37 candleinthewind7579 Mon, 05 Jan 2009 22:14:48 +0000 http://theidentitytheftguardian.com/what-can-we-do-to-protect-ourselves-if-a-relative-decides-to-commit-identity-theft#comment-37 Contact your bank and let them know what happened, and possibly could happen. Get a credit report every 6 months to monitor any activity not made by you. Contact your credit card companies...they will "kill" this account and issue you new cards with new account numbers. Change your PIN numbers if you had them written down and this relative could have found them. Now that you know what this person is capable of...distance yourself and don't allow any future visits unless you can be there Contact your bank and let them know what happened, and possibly could happen. Get a credit report every 6 months to monitor any activity not made by you. Contact your credit card companies…they will “kill” this account and issue you new cards with new account numbers. Change your PIN numbers if you had them written down and this relative could have found them. Now that you know what this person is capable of…distance yourself and don’t allow any future visits unless you can be there

]]> Comment on What are the consequences when identity theft happens to you? by Bill C http://theidentitytheftguardian.com/what-are-the-consequences-when-identity-theft-happens-to-you#comment-282 Bill C Mon, 05 Jan 2009 09:54:36 +0000 http://theidentitytheftguardian.com/what-are-the-consequences-when-identity-theft-happens-to-you#comment-282 By federal law, you are responsible only for the first $50 of fraudulent charges on a credit card. However, most credit cards won't hold you liable for any fraudulent charges. If you suspect credit card fraud, notify the credit card issuer immediately and have them cancel the card and issue you a new one. It won't affect your credit score. Sadly, most credit card companies don't do very much to catch people who steal credit cards and the rate of prosecution is very low. The credit card companies write it off as a cost of doing business. By federal law, you are responsible only for the first $50 of fraudulent charges on a credit card. However, most credit cards won’t hold you liable for any fraudulent charges. If you suspect credit card fraud, notify the credit card issuer immediately and have them cancel the card and issue you a new one. It won’t affect your credit score.

Sadly, most credit card companies don’t do very much to catch people who steal credit cards and the rate of prosecution is very low. The credit card companies write it off as a cost of doing business.

]]> Comment on How do I report identity theft to eBay? by David F http://theidentitytheftguardian.com/how-do-i-report-identity-theft-to-ebay#comment-310 David F Mon, 05 Jan 2009 05:50:13 +0000 http://theidentitytheftguardian.com/how-do-i-report-identity-theft-to-ebay#comment-310 Should be a link there. Should be a link there.

]]> Comment on What can we do to protect ourselves if a relative decides to commit identity theft? by fantmatt http://theidentitytheftguardian.com/what-can-we-do-to-protect-ourselves-if-a-relative-decides-to-commit-identity-theft#comment-36 fantmatt Mon, 05 Jan 2009 04:50:34 +0000 http://theidentitytheftguardian.com/what-can-we-do-to-protect-ourselves-if-a-relative-decides-to-commit-identity-theft#comment-36 sleepin with the fishes,concrete shoes, accidents happen...that's how it's done in the FAMILY. CALL THE POLICE. don't invite them over. when they do come over..make a scene..they won't come back. -m sleepin with the fishes,concrete shoes, accidents happen…that’s how it’s done in the FAMILY. CALL THE POLICE. don’t invite them over. when they do come over..make a scene..they won’t come back.
-m

]]> Comment on What are some signs that you have been a victim of identity Theft? by Rugby S http://theidentitytheftguardian.com/what-are-some-signs-that-you-have-been-a-victim-of-identity-theft#comment-358 Rugby S Mon, 05 Jan 2009 00:26:19 +0000 http://theidentitytheftguardian.com/what-are-some-signs-that-you-have-been-a-victim-of-identity-theft#comment-358 could be not an impressive resume. You didnt have a good interview. Check with a free credit report and check your credit score.. also criminal history. could be not an impressive resume. You didnt have a good interview. Check with a free credit report and check your credit score.. also criminal history.

]]> Comment on What can we do to protect ourselves if a relative decides to commit identity theft? by SAYS ME http://theidentitytheftguardian.com/what-can-we-do-to-protect-ourselves-if-a-relative-decides-to-commit-identity-theft#comment-35 SAYS ME Sun, 04 Jan 2009 23:33:12 +0000 http://theidentitytheftguardian.com/what-can-we-do-to-protect-ourselves-if-a-relative-decides-to-commit-identity-theft#comment-35 sadly very little but you can notify the credit reporting agencies and have your report red flagged ( they can give you the details about password protection - it varies from case to case ) sadly very little but you can notify the credit reporting agencies and have your report red flagged ( they can give you the details about password protection - it varies from case to case )

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