“This message is for Maureen Fulton. Ms. Fulton, I am calling from Macy’s and I presume that you’ve been a victim of identity scams. Please call me at your earliest benefit. “
When Maureen Fulton returned house that day, she heard that message as well as saw on her caller ID that Macy’s had called her 4 times prior to really leaving the message. Suspicious, Maureen Googled the number the Macy’s agent had actually left.
It was a genuine Macy’s number.
Her heart pounding, Maureen called back … and learned that someone had actually opened a Macy’s credit card that day in her name and tried to charge $1,600, but Macy’s was suspicious, so they decreased the charges.
Thanks to Macy’s diligence and that call, Maureen Fulton uncovered that she’d been a victim of identity scams. Fortunately, the fraud had been captured within 3 days, but the thieves had actually already tried to charge $21,000 (though they just successfully spent $16,000). The burglars opened 12 accounts in her name.
How Could This Happen?
Fulton was persistent in protecting her identification. She shredded paperwork with personal details and was really cautious about providing her social security number. However, no matter how careful a customer is, there are still ways thieves can get the details such as purchasing social security numbers online. (Thanks to numerous recent database breaches such as those at Target or Michael’s, this details is conveniently offered for a fairly low rate.)
The Long Clean Up Process
Fulton called each of the three credit bureaus and had the ability to find what other lines of credit had been opened. She then needed to contact each of those companies to let them understand that she didn’t open the line of credit and that she’d actually been a sufferer of identification scams.
She likewise needed to call the police and submit a cops report.
Fulton kept a notebook documenting every call that she made, exactly what day and time the call was made in addition to the outcome. She highly recommends that other victims of identity fraudulence do the very same thing due to the fact that it can be simple to lose track of the many calls one needs to make.
In addition, she suggests that customers freeze their credit or sign up for an identification theft protection program that’s provided through the 3 credit bureaus or here at Quizzle.
Cleaning up an identity theft can take rather a very long time (Maureen has currently spent near 30 hours so far), it’s a lot easier to freeze your credit or enroll in a security program prior to the theft can occur.