Mechanical

How to (not) protect your credit

So I am again a victim of identity theft. I don't know how it's happened this time, particularly since I can't recall having actually used this new card. However, I'm pretty sure I used it somewhere at least once. That's probably where I was exposed. I'll see if I can find out.

In the meantime, how do you protect yourself from this? If you get a credit application, tear it up, right?

Nope.

He tore up his application. He taped it back together. He listed a cell phone number on the application. He used a different address. Chase Mastercard sent a new credit card to the address anyway.
  • Current Mood: irate irate
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i bought a cross cut shreader. it makes me feel much more secure. and it's fun and pretty.

the cat was lying on the bag of shreadings the other day. i should make a kitty bed out of it.
Yup. It's simple economics. If piecing that back together is financially more lucrative than other activities they're willing to engage in, they'll do it even if it's covered in rancid mayonnaise (ask any private eye going through someone's trash for big bucks).
That's generally why I distribute the shred load over various trash days and multiple trash sites. I take about a third of it with me to work weekly and dump it in the trash there, another third goes out with normal trash, and the remainer either gets saved for another week or put in another neighbor's trashcan when they're not looking on the morning of trash day.

I had my identity stolen once some years ago, which really freaked me out so I'm super paranoid. I'm sorry this has happened to you multiple times. :(
Good luck with round n.

Small condolance, but: if the UK is anything like Canada, it'll take you about 3 months before you start getting c-cd solicitions. And, in Canada, they're not generally pre-printed with my name; I have to fill 'em in manually.

*sigh*

This guy's story is why any such junk that comes to my house with identifying information gets shredded, then dumped in the composter. Ain't gonna mail no shreaded, tomatoey bits with my name on it, dammit.

I liked how the google ads on the first page of his story were for new credit cards, the second were for secure mailboxes, and the 4th page were advertising roomba (which is what he said he'd buy with his shiny new card).
This is why I own a shredder, too, and don't put all of the output into the same recycling box. I take half and put out the next week. It's damn annoying but I sleep better.

Amazing that any old person can use your card, but pay a large sum back to a US credit card company and the issuer will send your information Homeland Security.
Do you have fraud alert set up with major credit bureaus? I use to schlep credit ap.'s for a company and anyone who applied for credit w/ a fraud alert on their account had to be contacted at their home number by the credit bureau for authorization to proceed w/ application.
I shred mine as well. I'm so paranoid. On top of that I keep getting this authentic looking emails that say that my credit card has been hacked and they want me to click on some link and authenticate myself. I don't trust that kind of stuff, it's a scam somehow.

Dear JPMorgan Chase & Co customer,

We recently noticed one or more attempts to log in your JPMorgan Chase & Co account from a foreign IP address and we have reasons to believe that your account was hijacked by a third party without your authorization.

If you recently accessed your account while traveling, the unusual log in attempts may have been initiated by you.

However if you are the rightful holder of the account, click on the link below and submit, as we try to verify your account. (in case you are not enrolled use your Social Security Number as both User ID and Password.)
Click here to verify your account


The log in attempt was made from:

IP address: 211.237.136.1
ISP host: 211-237-136-1.rev.krline.net.

If you choose to ignore our request, you leave us no choice but to temporally suspend your account.

We ask that you allow at least 48hrs for the case to be investigated and we strongly recommend not making any changes to your account in that time.

If you received this notice and you are not the authorized account holder, please be aware that is a violation of the JPMorgan Chase & Co privacy policy to represent oneself as another JPMorgan Chase & Co account owner. Such action may also be in violation of local, national, and/or international law.

JPMorgan Chase & Co is committed to assist law enforcement with any inquires related to attempts to misappropriate personal information with the Internet to commit fraud or identity theft.

Information will be provided at the request of law enforcement agencies to ensure that perpetrators are prosecuted to the fullest extent of the law.

* Please do not respond to this email as your reply will not be received.

For assistance, log in to your JPMorgan Chase & Co account and choose the "HELP" link.

Thanks for your patience as we work together to protect your account.

Regards,

The JPMorgan Chase & Co Corp. Copyright © 1996-2006. All rights reserved.
The test was flawed.. slightly..
So I wonder if the card would have been issued if the envelope was also torn up and taped back together??

Makes you think, eh?
What I do now, after shredding documents, is burn them.

that sucks it happened again, man. jesus.
I'm not paranoid, but I burn those apps. It makes for some nice heat for 35 seconds. :-/
Makes me want to cut up all my cards and never have one anymore! Oh and burn them up!