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Some updated numbers and identity theft!

September 28th, 2008 at 04:24 pm

Well I thought I'd update the debt tracker since I got an interest charge on Card 1 for $315.51 (ouch!) so the update looks like this:

Debt tracker 09/28/08
Card 1: $42694.47 (8.99%)
Card 2: $29891.21 (8.99%)
Card 3: $1970.14 (10.99%)

I also had a charge of $50 show up on Card 3 from Thrifty Car Rental in Chicago on Friday. I haven't rented a car from there since June of 2007 so I was needless to say a little concerned. I called the card issuer and they immediately froze the transaction and are investigating it. I was told I don't have to call the merchant (in this case Thrifty) because the issuer would handle it so I haven't pushed it any further. Anyone have thoughts on this? Thanks!

6 Responses to “Some updated numbers and identity theft!”

  1. dmontngrey Says:

    Nah, just let the issuer take care of everything. However, it is standard practice to just close that card and issue you a new account. You don't know who got your info and how, so this would be the best way to handle things.

  2. fern Says:

    I don't mean to alarm you, however, I would take the precaution of filing a police report. Who knows how someone got your account number, but if you have problems or further charges down the road that weren't authorized, whether it's with Thrifty or some other account, you want to be able to prove that it's ID theft, and one way to do that is file the police report when you first find out about it.

    I would also call one of the credit reporting bureaus (TransUnion, Experian and Equifax) and ask them to place a credit alert on your files. They will automaticaly contact the other credit bureaus to do the same.

    Finally, i would order a free credit report and examine it carefully to make sure all info there is correct and no accounts you don't recognize are listed there.

  3. creditcardfree Says:

    Just another thought...when you actually rented the car back in june of 2007 did they actually charge you? My dad had a hotel experience where there was a huge delay in actually getting charged for his stay. So, when the charge showed up several months later...it really was a legitimate charge. Something to check into.

    I would also contact the credit bureaus...I think this is an automated process you can do over the phone to put a credit alert on. Free credit report is a good idea also. It is also up to you whether you call Thrifty or not...do what feels right.

  4. I-78 Commute Says:

    Thanks guys. I did get charged and paid the Thrifty rental in 07 ccf (I did check it again to make sure...I have all the stuff downloaded in MS Money.) I also contacted the bureaus and had them freeze my reports for new credit and put a fraud alert on them for now. I guess they can take the alert off after the card issuer is done investigating. Even better news is on Wednesday I will be paying off the card and will close it to any new charges until the investigation is completed (and then I'll just close it...I have no need for it.)

    I think I'm safe for now. I did pull my reports and nothing out of the ordinary right now. Thanks for your ideas and help.

  5. creditcardfree Says:

    I like that you are paying off the card soon...that is good news!

  6. I-78 Commute Says:

    Yep! Wednesday is D-Day for Card 3. Smile

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