Help on possible identity stolen?

Question

I got a call from Charles Schwab asking if I opened a credit card from them today. I said no and she told me someone tried, but will shut down the account. She also said something about my identity being stolen. Well I don't have any accounts or associations with Charles Schwab, but how did they get my info? Also, does this really mean I got my identity stolen or are they scamming me as well? So right now what steps should I take? I don't know where to start or what to do, help anyone? Thank you!

Answer 1

try not to care about credit your just mnaking someone else rich  youtube and type in banking system you will be quite surprised.

Answer 2

I'm a big fan of LifeLock, I recommend everyone gets it.  If you can't afford the $10/month for the service start by placing a Fraud Alert on all of your credit bureaus (Experian, TransUnion and Equifax), then obtain a copy of your credit report from annualcreditreport.com.  Carefully review each of the credit reports and determine if all of the accounts are yours, if each time your credit history was pulled that you had requested it and that your personal information (address, employment, date of birth) is correct.  If there are any discrepancies contact the companies immediately and let them know.  Freeze the accounts, request any documents that have been signed in order to open the accounts and contact your local police department.  I would highly recommend a credit attorney as well as life gets difficult once it happens.  Good luck and I truly hope it works out for you.

Answer 3

It is a good indication that your identity has been stolen.  What you need to do right away is sign up with an identity theft protection program like IDefender or one of the others.  Just be careful when signing up with one.  The guy who owns LifeLock says in his commercials that he guarantees his protection up to $1,000,000.  This is, of course, just a gimmick.  It should be noted that since he started giving out his SSN he has had his identity stolen 26 times.  It makes one wonder about his service.  

However, it should be noted that there is no such thing as 100% identity theft protection.  One can narrow the opportunities for identity thieves to next to nothing, but a determined thief WILL get your information.  Identity theft services will keep all but the most determined from obtaining your information.  This is the point, though.  Most thieves are looking for the easy target.  Only the most notorious and hardest working thieves will be able to get your info.  

There are things you can do to help yourself, but when it comes right down to it, once your identity has been stolen, it is stolen for the rest of your life and then some.  That's right, even after you have passed on, your stolen identity can cause problems for your family.  That is why I recommend an identity theft protection program.  

If you have any further questions regarding this or any other identity theft issue, please feel free to contact me at [e-mail]

Answer 4

Umm. I wonder if the phone call was the scam! I've been hearing that they are now doing this instead of the email version - they call you up and talk to you for a while - sooner or later they ask for your SSN. Did they? Did you give it to them? If so, THAT was when your identity theft happened.

To be safe, call up Fair-Isaacs, Experian and TransUnion and explain to them that you are worried you've been a victim of identity-theft - ask them to watch your account.

And the next time someone calls you from a company you don't recognise, or even some you DO recognise, tell them you will call THEM back at the official phone number to discuss any issues. And do it. Call the official number to find out what's going on - that will be the number on your bank cards, your credit cards or your statements. Do not call ANY number that the person who calls you gives you - that will probably be one of the scam numbers, too!

Good luck,

FF