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Friday, November 18, 2011

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You are here: Home / identity theft cases / how does Identity theft work?
how does Identity theft work?

May 30, 2010 by  
Filed under identity theft cases

4 Comments

So, if someone applies for a credit card with their name and your social, it affects you pretty bad, esp. if they don’t pay it. I got that much. But how do people not know about the card before it goes into collections if your credit report has your address on it? Shouldn’t you be getting the bill every month and then realize the account is not valid? Or does the thief put their address on it, in which case how does the application get approved if the info doesn’t match? I’m confused as to how people can be identity theft victims and no one realizes it until they are in over their head.
But if its my name and my social then how do they get away with using the card so much? I would think that they would put their name and my social because credit reports are tied to social security numbers so they could still use it that way, if it was my name then they couldn’t use it…or at least not as often.

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Comments 4 Responses to “how does Identity theft work?”
  1. L S says:
    May 30, 2010 at 4:47 am

    I’d make a guess that one way they do it is to put in your address for home address (so it matches any details looked up) but use another address as the mailing address, like a postbox, until it’s approved. Then they can either change it to their address or just keep getting it at the postbox.

    And it probably isn’t their name and your social, it’s probably YOUR name and your social.

    What’s got me at the moment is how someone opened up a child’s bank account at my address and I keep getting the statements and the bank won’t let me take the address off the account, despite a Statuatory Declaration signed in front of and witnessed by the police. They just keep saying, “you don’t have the authority to change the address” but I reckon I should have the authority to have MY address removed. I can give proof of ownership of this house so I SHOULD have some say over who uses the address!! Makes me think some of the stupid privacy policies around today are actually helping the fraudsters.

  2. JUAN FRAN$$$ says:
    May 30, 2010 at 5:07 am

    They do it for a month then go to the next person closing down everything before person gets the bill.

    They also find an empty address vacate house, apartment etc. and give that as the billing address.

    Another it a blind box address.

    another way is giving the address of a large business or corporation as the address.

    Another is finding someone with the same name in a different state and using that address as the billing address..

    There are a lot of different ways they do it that is way it is so hard to catch them.
    That is also way they are almost never caught until they have run hundreds and thousands of dollars in charges.

    In fact all a person has to do is get your credit card number. Then have a ball buying on line or places all they have to do is give the number.

    Example of how easy it is for the crooks:
    Had a case that made the news in city close to where I live. Lady was a cashier and was getting credit card numbers off customers credit cards when they used them. Then she’d charge up a bunch of merchandise on their cards.

    So using your credit cards and debit cards you have to flat watch it.
    In fact don’t use them unless you are making a large purchase like a computer or TV or something.
    And never give your number out when buying something on line or over the phone: If you have to use a credit instead of using your card go purchase a per paid credit card putting just enough money on it to cover what you are buying.

  3. gtt62 says:
    May 30, 2010 at 5:31 am

    the woman i was married to filled out cc applications addressed to me. filled in my personal info and signed my name. got the cards n the mail. make a phone call to open account get a pin no. a few days later. run to ant atm and max it out. we worked 2 different shifts. she got the mail. i never saw a bill. i didnt see a bank statement or mortgage statement for 2 years. the offers stopped coming in the cards were maxed she emptied my checking account and moved in with someone else. sorry to say i didnt report it. its my ass now. i got 2 judgements and there will be more. its not always somebody looking over your shoulder or digging in your garbage. quite often it is a family member or friend.

  4. Jeff S says:
    May 30, 2010 at 6:22 am

    Most people don’t find out someone has opened up a credit card in their name until a lot of damage has been done. After the cards are maxed out or even in collection and ruining your credit. With identity theft as bad as it is today I would recommend getting identity theft that offers credit monitoring. They alert you anytime something on your credit changes. If there is a change in address, new account opened, a balance changes, etc. There is a great company called SOLUS Identity Theft Protection. There website is http://www.solusid.com

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