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Questions tagged [identity-theft]

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7 votes
2 answers
12k views

Credit freeze in UK

I've read a lot that in US people can protect themselves from identity theft by applying credit freeze on their credit history, is there similar option in UK?
Maxim Galushka's user avatar
13 votes
1 answer
2k views

What happens if an identity thief files a fraudulent return for you, but you owe taxes?

For taxes this year I'm going to owe the IRS, not get a refund, and I won't have any W-2 (although my wife will). So I'm curious what would happen if someone used this Equifax breach to file my tax ...
Matt Chambers's user avatar
33 votes
3 answers
5k views

How do you file taxes earlier than an identity thief?

One of the recommendations to avoid tax return fraud/identity theft is to file your taxes as early as possible: FTC Smart Money Identity Theft Resource Center USA Today Notably, the IRS does not ...
stannius's user avatar
  • 5,301
2 votes
2 answers
6k views

How could identity thieves open accounts or get loans in my name?

Let's say someone has a hold of all the information Equifax had about me. I'm trying to understand how some of the things people say could go wrong could actually happen: They could supposedly open ...
user541686's user avatar
  • 3,369
12 votes
4 answers
917 views

How should I protect myself from the Equifax breach without making my own life much harder?

The FTC recommends those who may be impacted by the Equifax data breach do the following: Check credit reports at annualcreditreport.com. Enroll in the 1 year of free credit monitoring provided by ...
user541686's user avatar
  • 3,369
6 votes
3 answers
372 views

Is there a surefire way to prevent anyone from opening a line of credit in my name?

With this Equifax thing going down, I wonder: What steps can I take to prevent anyone from opening a line of credit in my name? Is there any surefire way to stop this?
USER_8675309's user avatar
5 votes
3 answers
2k views

Do I need multiple credit monitoring services?

I currently have credit monitoring through Experian and I pay extra for it to monitor all three credit bureaus. In light of the recent Equifax breach and Equifax offering credit monitoring for those ...
Michael's user avatar
  • 10.2k
9 votes
1 answer
174 views

Credit freeze and affect on perception as credit risk

In light of the Equifax hack I keep reading that people should apply a credit freeze on themselves at the 3 main bureaus. However, someone told me that their mortgage consultant said that placing a ...
nifty01's user avatar
  • 93
1 vote
0 answers
930 views

Are IRAs and 401(k)s insured against theft?

If someone steals (maybe by logging in with stolen credentials) from a person's retirement account, is that money gone, or are accounts insured against theft and hacking? Edit: it sounds from the ...
Ken - Enough about Monica's user avatar
4 votes
3 answers
5k views

Why do you need to provide your credit card's expiration date in order to make a purchases?

This question is similar in spirit to Why do some online stores not ask for the 3-digit code on the back of my credit card?. I don't see how asking for the credit card's expiration date as well as ...
tparker's user avatar
  • 848
4 votes
1 answer
233 views

What happens to money paid by IRS in fraudulent refund?

Please forgive my ignorance with this question... According to FRAUD Magazine and Identity theft tax refund fraud, fraudulent refunds cost billions of dollars a year. The article lists some ...
jww's user avatar
  • 384
0 votes
1 answer
114 views

Say I am in Canada and I have a U.S SSN can I open a credit line though a bank there

I recently got my SSN stolen and just for research was wondering if my SSN would work even if someone tried to sign up for credit in another country or if the bank their would see it's not a local SSN ...
Anthony CASANO's user avatar
15 votes
1 answer
796 views

How was someone able to open an account?

A while back I was surprised to see a collections account go onto my credit report for an unpaid amount of a few hundred dollars. I immediately believed it to be a mistake since I had never heard of ...
T James's user avatar
  • 407
1 vote
1 answer
132 views

What to do if you know someone has had access to your SSN

You think a stranger (say computer repair guy) might have had access to a computer file with your SSN in it over the past few days. You don't know if person has seen the file or not, but you don't ...
mathemagician's user avatar
6 votes
1 answer
208 views

Identity theft?

I recently checked my credit report through 3 different sites and everything seemed OK. But recently I applied to finance a car and had to confirm 6-8 years of previous addresses. Two unknown ...
Daddyof4rugrats V's user avatar
15 votes
3 answers
3k views

Are there any dangers in publicly sharing my personal finance data?

I wanted to blog about my financial status and was curious if somebody ever did that and couldn't find anything on google. So the idea is to share on a monthly basis what I have on my bank account ...
reBourne's user avatar
  • 153
2 votes
2 answers
266 views

A bank application mentioned I opened a home loan recently. I never did. Should I be worried?

I've been looking to move away from Evil Bank Corporation for a while now, and in the process of applying for New Shiny Bank they wanted to verify my identity by asking for my social and asking for ...
Qix - MONICA WAS MISTREATED's user avatar
0 votes
1 answer
302 views

How can I check to see if anyone has tried to file my tax return [duplicate]

How can I check to see if anyone has tried to file my tax return? I have reason to suspect that someone has stolen my social security number.
Tammy Berning's user avatar
50 votes
7 answers
40k views

Didn't apply for credit card but got an application denied letter?

I was recently forwarded a letter by the owner of my old address that turned out to be from a credit card company, informing me my application had been declined. Ignoring that this letter was sent to ...
James's user avatar
  • 1,062
0 votes
1 answer
1k views

I provided personal information to a scam survey. What's my risk? [duplicate]

I filled out this survey to win a something. Then realized it was a scam. Felt really dumb. Anyhow, I gave my email, name, phone number and address. What can the do with the information I gave them?
jasmin's user avatar
  • 1
21 votes
2 answers
119k views

I gave a scammer my telephone number, address, and name. How bad is it?

Updated question because old one was embarassing: I saw a spam email from "PayPal" and I didn't realize that it was a phishing attempt. I gave the phishing site my name, telephone number, and email. ...
MrColdfish's user avatar
8 votes
3 answers
656 views

I've started two credit agency disputes with the originators of the credit (CC company and a bank). Is there anything more required from me?

I found a CC that I had nothing to do with opening on my credit report. I called the issuing company and told them as much and they opened a dispute with the 3 agencies. Also, in an effort to increase ...
brhoades's user avatar
-2 votes
2 answers
2k views

Applying For New Line Of Credit While Credit Is Frozen

I'm wondering about the implications (if any) of applying for a new line of credit while my credit is frozen with the three main reporting agencies. My understanding is that the new line of credit is ...
Rob P.'s user avatar
  • 1,065
2 votes
1 answer
682 views

What could someone do if they had a check made out to me? [duplicate]

Suppose I receive a check. Maybe it's for employment, or a class-action settlement, or maybe even just a graduation present from a relative. Doesn't matter. Point is, it grants me some amount of ...
JesseTG's user avatar
  • 191
12 votes
1 answer
350 views

Should I dispute fraudulent hard inquiries on my credit report?

A store credit card was opened fraudulently in my name, and I am going through the process of disputing and having it removed from credit reports. Within a few days of that account being opened, ...
JayL's user avatar
  • 221
2 votes
1 answer
998 views

I am Swiss and have a bank account in USA that is blocked. How can I identify myself without travelling to USA?

I'm Swiss and worked 4 months in the USA. So I opened a bank account at Chase Bank. Due to bad exchange rate I decided to keep the money at the Chase bank account. This was 3 years ago. I decieded ...
engineerer's user avatar
0 votes
2 answers
9k views

Can someone steal my government check and cash it?

I get an adoption check every month from Raleigh. I haven't received it for February yet. It always comes by the 6th of every month. I was wondering: could someone have stolen it and cashed it at ...
christine Crain's user avatar
2 votes
1 answer
112 views

How secure is my data in the hands of a financial planner?

I consult with a Certified Financial Planner who charges an annual fee. The person seems reliable and seems to have integrity, but also has a few people working under her whom I know nothing about. ...
Julian's user avatar
  • 163
3 votes
1 answer
70 views

How to prevent misusing my Account details

One of my friend know my account details like pan no and all, and now he started doing some business with that and I am getting income tax notices for that how I will block him from using my details ...
Anshad Rasheed's user avatar
1 vote
1 answer
700 views

What risk would I take by filling out a W8 or W9 for a firm that asks for one?

My US clients often ask for a W8 or W8BEN to be filled out so that they don't have to withhold tax when they pay my invoices. I'm familiar with that process. Today I received a letter from an ...
Kate Gregory's user avatar
  • 13.4k
2 votes
4 answers
9k views

Can I prove having savings without giving out the account number?

I will be looking to rent with no income, but significant savings. For that, I'll probably need to give the prospective landlord my name, DoB, SSN (for credit check) and the savings account number. ...
MWB's user avatar
  • 541
3 votes
1 answer
1k views

How to get access to US credit report while living outside USA?

I lived in United States for over eight years late 2000/early 2010s. For some reasons I think my identity has been stolen in the US, so I would like to check my credit report. However, I have moved ...
T000o's user avatar
  • 31
3 votes
2 answers
2k views

Using 2 different social security numbers

Let's start by saying that I know what I did was wrong. I opened store credits at a few stores here in the U.S. By using a number that I made up in my head. It's only store credit and not a credit ...
Edd saucedo's user avatar
25 votes
6 answers
8k views

How do I permanently opt out of having a credit history?

In the past, I activated a credit block (freeze) on all major credit bureaus and from reading information, this should prevent anyone from being able to report on my credit or gain access to it. ...
user541852587's user avatar
0 votes
2 answers
109 views

What is the minimum information someone would need to know about me to wire money out of my brokerage account?

I'm doing my taxes and preparing my own statement in lieu of a 8949. My broker has provided me with a statement that has a lot of information on it. My first thought was just to mail the statement to ...
John Shedletsky's user avatar
1 vote
1 answer
168 views

Got Notice My Personal Information May be Compromised

For anyone who may believe this is Phishing, it is not. I got a notice from a company saying that an HR employees car got broken into and it may have personal data of mine. I haven't had a job with ...
leeman24's user avatar
  • 436
2 votes
2 answers
347 views

Can a name be gotten from an account number?

Can a name be gotten from an account number for whom the account bearer is not known? That is to say, should Tim send Jim ONLY his account number, can Jim identify Tim with this information alone? ...
Packet Master's user avatar
6 votes
1 answer
2k views

Stolen wallet containing check. What are the proper steps to take now?

My wallet was stolen. I cancelled all my cards, but I also had a check written to me that I hadn't deposited yet. I have contacted the issuer of the check and asked him to cancel it, but he says he is ...
Brimby's user avatar
  • 267
5 votes
1 answer
20k views

How a company in India can misuse my PAN number and its scanned copy that I provided as an interview candidate?

Two companies in Bangalore and Pune (India) asked me to send PAN number (government ID number used as ID for income tax return and transaction, like social security number in the US) and scanned soft ...
user19083's user avatar
9 votes
2 answers
547 views

What can a customer do to reduce damage from a data breach?

A larger retailer admitted recently that hackers were able to steal credit and debit card data for about 40 million customers. Reports say that names, payment card numbers, expiration dates and ...
ChuckCottrill's user avatar
4 votes
1 answer
207 views

Dealing with fraudulent criminal records resulting from identity theft

What should a victim know about criminal identity theft, where someone is arrested under your identity, and the best way to deal with it? I'm wondering if there is some standard way to find out, or ...
stackuser's user avatar
  • 227
3 votes
1 answer
71 views

How important are records of fraudulent applications?

How important is it to try to get copies of the fraudulent applications/materials used by the thieves? This appears to be a consumer right according to the FTC, but the companies seem not to want to ...
stackuser's user avatar
  • 227
79 votes
9 answers
15k views

Should I sign the back of my credit card?

When getting a new credit card, what is the policy in regards to signing the strip on the back? Should I sign it? Should I write "See ID"? Should I leave it blank? Should I sign it AND write "See ID"? ...
Fixed Point's user avatar
3 votes
1 answer
185 views

Any reason to be cautious of giving personal info to corporate fraud departments?

Given that someone is a victim of identity theft, I'm wondering if fraud departments of companies where identity thefts occurred should still be considered totally trustworthy, as in send them what ...
stackuser's user avatar
  • 227
6 votes
1 answer
1k views

How are brokerage accounts protected from theft, computer glitches and fraud?

I'm thinking about investing in stocks, but I'm worried about losing my investments for reasons unrelated to changes in the market. I know that brokerage accounts are not FDIC-insured. What if a ...
MWB's user avatar
  • 541
9 votes
1 answer
327 views

If my identity is stolen, is there another way to authenticate identity to the major credit bureaus other than my credit history?

Supposedly, one is able to monitor their credit rating with the three major credit bureaus to prevent/stop identity theft. However, the yearly report can only be viewed by answering questions about ...
buckminst's user avatar
  • 193
3 votes
2 answers
264 views

How can I request and verify that my identity information is purged from a bank I no longer use?

I have consolidated a lot of finances from several banks (Chase, a Credit Union) and brokerage houses (Schwab, Fidelity) and since I no longer use these institutions I would like to request a complete ...
Ash Machine's user avatar
4 votes
2 answers
132 views

What should I include on a security checklist for choosing a Tax Preparer

I am considering an in-person Tax Preparer vs doing it myself online. I feel a little safer doing it online, but an in-person Preparer can offer advice for complex Tax situations. My concern is that ...
Vik David's user avatar
  • 627
16 votes
2 answers
2k views

If the former owner of my home is still using the address, can it harm me?

My wife bought a condo in foreclosure a couple of years ago. We both live here and most weeks I get a couple of pieces of mail for the previous owners; who apparently ran a business here. Most of the ...
aceinthehole's user avatar
3 votes
4 answers
254 views

Lost ID and Identity Theft

my wallet was stolen, and the thief used my credit cards, which I now cancelled. In my wallet was also my state ID (what I have instead of a driving license, since I don't drive). How likely is it ...
Nicole's user avatar
  • 241