well, crap.
I just spent the last hour or so on the phone with various people from various credit agencies. Guess who’s the newest (ok, probably not newest, but you know what I mean) victim of identity theft / credit fraud?

This morning someone from JCPenney called to verify some info on an account, but they woke me up so I wasn’t as coherant as I should have been. They called and asked for "Tiffany X" and I told them noone by that name lived here, then he said he was from JCPenneys and he needed to verify info. I told them my name was Taffi and I hadn’t opened any accounts, and that was that. The caller ID only showed up as "unknown number" or "unavailable" so I didn’t think much of it.
Then a while ago, someone from TN called and DH answered it. (For a fleeting second I thought maybe Amber was calling me! LOL) I guess the lady asked for "Taffany" and DH said, my wife’s name is Taffi, can I help you? Turns out it was a lady from Home Depot calling to verify info for a new account someone had set up… DH got me on the line and it turns out that accounts were opened in my name (ok, the names were either Tiffany or Taffany, lol, but had my SSN, the correct address, correct phone #) at Home Depot, Zales and Sears, with a total amount of about $4500 charged, yesterday and today. In California. We got the ones for Zales and Home Depot closed, she passed me along to a guy from Sears who closed that one, then he passed me along to a lady from Citibank, who helped me with a lady at Trans Union credit agency. We went through everything that had been opened or any time my credit had been pulled in the past twelve months. Luckily, the only things that showed up were the fraudulent ones (and they were taken care of) and one for Old Navy from January. Sometimes never using your credit and hardly ever shopping is a good thing, LOL. So they’ve put a fraud alert on my credit that will stay on for seven years, and any time someone tries to open anything in my name the credit agency will call me and ask for my password and permission to extend credit. I called back JCPenney after this and verified that there was no account in my name (it showed in their records that after I denied it this morning, the account was not activated). Tomorrow I will be calling the city police (on the advice of the Citibank lady) to inform them of identity theft and ask them to put my info in some Consumer Sentinel Databank thing… sigh.
I am so grateful they caught it so quickly, of course, but still… what a pain in the patootie!
But, at least we shouldn’t have to pay anything.
Even the 7-year alert is free.
However, we cannot figure out how on earth anyone got our info. We are so careful with things - any junk mail with our names, etc gets shredded. The birthdate was wrong - that’s the only thing wrong. Oh - and the kicker? The reason the Home Depot lady called was to double check our phone number - the Zales account was off by one number from the Home Depot one - and she was having a slow night and noticed it, and thought she’d call to see which one was right, so they’d have the right info!





) But first… a quick funny to get us through the week.





