Mary Beth
Milbank,#2UPDATE Employee
Tue, July 01, 2008
You say you didn't apply? Who did, please? Who would enter your information, sign your application, request a credit card fraudulently, and then have it sent to you? Made someone mad? Dishonest family member? You need to do a little investigating on your end. If you choose not to due to laziness or 'stick-my-head-in-the-sand-itis' let your local PD do it. I would recommend if you think you have a true complaint to get it reported to the authorities as you have a paper trail should this come up again. I assure if you really did not apply, this WILL come up again. Someone has your personal info and will do this again. Trust me, a paper trail of proof may save your bacon. Identity fraud is the #1 growing crime in the US. You sir, are not immune. There are some great web sites to reference for this! Fill out the Fraud Affidavit, we'll get it back and immediately sent it to your bureaus who will add a 6 month alert. What does this mean for a consumer? It means that someone has to talk to you personally when you get a loan, etc.. I also recommend a follow up yourself, yes YOU have to do something, and that is to pull your own credit report every six months for the next year to 18 months. You may call each credit bureau individually. Also, you are trying to raise your credit score, great! Each year we visit our local Doc for a check-up, take our pets for their check-ups, and guess what? You may need a financial annual check-up as well. Your hometown bank is a great resource for you! Use it. I'm sure you have a personal banker and it costs nothing to visit with them. Typically they will even pull your report for free. More importantly, they will surely discuss with you their services, your financial goals, and where improvements may be made. A clear sense of financial direction. Not that there is anything wrong with it, but yes there is an affiliation between First National & First Savings (besides sharing same print shop), they are sister banks.