Posted in Family

Learning about Identity Theft the hard way


ave you had any problems ever with identity theft?  It’s not fun. It happened to me just a matter of days before one of our kid’s weddings. I have one personal charge card for making those emergency purchases, and it was something we needed for the wedding.  I went to charge it, and it was denied. The cashier ran it again.  Denied again. Talk about a sinking feeling. I wasn’t even charging that much and knew there was no way that my credit was used up and I knew too, I had not missed a payment.  I went home, empty-handed, went on-line and nearly had a heart attack!  There was a charge for a bike for THOUSANDS of dollars!  I called the credit card company and they cancelled my card, but it took months before it was actually resolved and I was cleared of it.  The other weird thing is when I called the credit card company, not only was this charge made, information on my account was changed, including my phone number and address.  

This experience made me request a credit report to see what was all on it and I did catch some other inaccurate information.  I am not sure how someone got my information and was able to change it.  Possibly, when I was online shopping for wedding things, I may have purchased something from an insecure sight and my information was stolen.  I will not purchase anything on-line in a public place such as a library or fast-food restaurant.  It’s just not worth taking the chance with that.  I’d rather be in my home, on my secure computer, only our family knowing the passwords.  

There is a reason credit monitoring is readily available and it is definitely worth checking into, especially for a person that has many credit cards and bank accounts.  It’s just about impossible to check every account every day.  One incident like I went through can be quite devastating, and certainly come at the wrong time.  Thankfully, mine was minor compared to other stories I’ve heard.  



Beloved KEPT Child of Jesus stumbling by faith ~ Married 30 years ~ Blessed Mama of 10 beside me & 2 at Jesus' feet ~ "Retired" homeschool mama of 22 years ~ Writer * Blogger * Reviewer ~

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