Member name: PATRICK
From: HOUSTON, TEXAS
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Joined: Mon Jan 22 11:25:41 2007
Profile updated: Mon Jan 22 11:25:41 2007
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PATRICK has posted 3 messages and replied to 24 messages.
| WANT TO KNOW WHAT THEY KNOW | List of 100 most recent messages and comments- Mon Feb 19 10:39:05 2007:
Think_before_you_share CommentIf I get a call from my credit card company or something I always call them back. I call the number that I have not the... id box and change the number to whatever number the crooks want it to be!! So by calling them back you avoid this.... - Mon Feb 19 10:34:16 2007:
Credit_Card_Calls CommentThese are the worse criminals ever!!! They prey on the elderly. And take advantage of them. These criminals need a dark... criminals need a dark hole to crawl in and rot away. One day they will be old also. somebody will do the same to them.... - Mon Feb 19 10:21:15 2007:
When_a_Family_Member_Dies CommentA couple of months ago a couple got arrested here for going through the grave yards and assuming deceased peoples... got away with it for close to ten years!! The government believes the total thief to be around two million dollars.... - Mon Feb 19 10:15:12 2007:
Invest_in_a_Shredder CommentYou should shred everything you get in the mail. All someone needs is your first name and your address to buy your... wrote you and you threw away the envelope. Her last name is right there all they need to start using your credit!!! ... - Mon Feb 19 10:09:51 2007:
Do_you_use_an_auto_monitor_service CommentThese services are great!! If you have a company running your credit without your permission then you will know it... then you will know it right away. This is also an indication that there is someone trying to steel your credit.... - Mon Feb 19 10:06:23 2007:
CVV CommentNo because if the people you’re buying from get hacked or have a dishonest worker then they have your information... buying from get hacked or have a dishonest worker then they have your information also!! Nothing is ever full proof.... - Sun Feb 18 22:33:58 2007:
What_if_you_cannot_clear_your_identity CommentIt is very hard to clear up your identity once it’s been stolen can take years to clean up and clear up. It sucks I... up your identity once it’s been stolen can take years to clean up and clear up. It sucks I know. But happens at times.... - Sun Feb 18 22:25:55 2007:
FDIC_to_Hold_Three_Identity_Theft_Symposia CommentHow often do they hold these? Are they really worth your time? I guess so or they wouldn’t have... often do they hold these? Are they really worth your time? I guess so or they wouldn’t have them.... - Sun Feb 18 22:22:48 2007:
Identity_Theft CommentIdentity theft is an epidemic here in America. There is so much of it going around. Very few people get caught doing... crime. It’s hard for law enforcement to catch these crooks because nobody asks for proper identification. This is sad.... - Sun Feb 18 22:16:06 2007:
Signing_credit_and_debit_cards CommentNow that I think about it I don’t think that I’m ever asked for my id when I use my credit cards. That’s just crazy.... that I think about it I don’t think that I’m ever asked for my id when I use my credit cards. That’s just crazy. ... - Sun Feb 18 22:06:55 2007:
Your state laws MessageMost states have a mini credit law section. You should check these because they can really make or break your credit... rehab. For example how long is your states statute of limitations? A creditor can come after you once the sol is over!!... - Sun Feb 18 22:03:22 2007:
Hurts_your_credit CommentYes your right is takes I believe 4 months for your credit rating to start to raise again. This can really hurt you if... for your credit rating to start to raise again. This can really hurt you if your trying to finance something big.... - Sun Feb 18 22:00:50 2007:
What_about_holiday_skip_pay CommentThis is a gimmick to extend your overall loan. By extending your loan let’s say five months they are able to charge not... but ten. Plus there’s a far better chance of you buying a new automobile and financing it through them. Think about it.... - Sun Feb 18 21:56:08 2007:
107894-information_creditors_must_know CommentYes very good little article. There is way to much information floating around that is not valid. I find some of my... floating around that is not valid. I find some of my information on government sites and forums just like this one. ... - Sun Feb 11 14:06:39 2007:
What_can_I_do_to_increase_my_credit_score CommentThese are all great but the problem with secured loans is that your debt ratio is thrown off. Yes they will help you... actually hurt your credit rating. Before the year is up you will probably a couple of other unsecured credit card.... - Sun Feb 11 13:53:15 2007:
uauthorized_credit_pulls CommentSometimes you don’t sign an authorization form. What if you apply online for a credit card? Then they would not have a... don’t sign an authorization form. What if you apply online for a credit card? Then they would not have a signature. ... - Sun Feb 11 13:48:16 2007:
steps_to_repair_your_credit CommentActually if you include your social security number or not doesn’t matter as long as you use the same address as to... or not doesn’t matter as long as you use the same address as to where the creditor sent you the collection letter.... - Thu Feb 8 23:18:27 2007:
Protests_Against_ID_Cards CommentI have mixed feelings on this subject. You can find anything on anybody on the net. What’s the difference? If you get... tell the paramedic that you are diabetic? I’m sure it can and will be abused but I see a lot of good coming out of it.... - Thu Feb 8 23:09:21 2007:
good_dispute_letter CommentYes they do. This is called raging. And it’s very illegal. One why to find this out is to send a verification letter... and ask for a complete account history. They must supply this to you. watch for this because it is so very common. ... - Tue Feb 6 19:28:41 2007:
Obligation_to_Report CommentAnytime and I mean anytime that you apply for credit your score will go down. Also if you receive credit and start... up. It takes you several months to recover from this and if you are late just one time it take 6 months to recover!! ... - Tue Feb 6 16:10:53 2007:
Wiretaps CommentI gave this some thought. I thought of it from the point of view of wanting to tapp a line. I came up with doing it at... you use a cordless phone it can be pulled out of the air by a radio shack scanner. All it is, is a radio wave.... - Tue Feb 6 15:54:41 2007:
intent to file a complaint ftc MessageRE: Dispute Letter of xxxxxx, Follow-up Letter of xxxxxx NOTICE OF INTENT TO FILE COMPLAINT Dear Sir/Madame:... letter please feel free to cut and paste but you might have to change it up a little for your circumstances. Enjoy!! ... - Tue Feb 6 15:36:58 2007:
your rights MessageI’m going to try and get everything that you would need to know about the fair credit reporting act here on this page.... 2305, 110 Stat. 3009 (Sept. 30, 1996). Remember this is what’s going to save you a lot of time money and hassle. ... - Mon Jan 22 12:19:46 2007:
GPS_Teen_Tracking_and_who_else CommentWell, I have mixed feelings about this. You see family is about trust. But what if that trust was gone or miss used?... an ex-husband could use it to stack and harass an ex-wife.So once again I guess I’m saying I have mixed feelings. ... - Mon Jan 22 11:59:34 2007:
GPS_Jammer CommentIf I am not mistaken you can jam them with regular freq jammer. It must send and receive so if you cut off either the... and receive so if you cut off either the sending or the receiving it want work. Even a cell phone jammer might work.... - Mon Jan 22 11:55:05 2007:
NSA_Phone_Records CommentI don’t think that it’s right that anybody can listen to our conversations. What I say I say to that person, nobody... to pass a law in California that would make it illegal to spank your children. Comeon where is it going to stop?... - Mon Jan 22 11:42:59 2007:
driver_license_and_social_security_number CommentHere in Texas, I lost my driver’s license. When I went into renew or replace it I had to give both of my thumb prints.... having our identity stolen. Let’s face it the people down at your local drivers license office are not always honest!!...
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