Friday, December 9, 2011

Identity Theft and how it affects your Family

     Have you ever wandered about Identity theft and how it would affect your family?  Have you ever had a situation where you went to use your credit card or to get a new card and found out that someone had used your name and information to get a card?  You can go here and get a Credit report, and check and make sure you are still in good standing.

     A few years ago my Mother received a telephone call from a local retailer and informed her that they were upping her credit limit to $25,000.00.  Of course, my mother doesn't need or even want her credit limit taken to this limit, she asked the clerked on the phone why they are increasing her limit?  This is when we got the devastating news that her card had been used 9 states North of us!  Not only did they use the card but they had pretty much bought an entire Living room suite, bedroom suite, and a few odds and ends at a price of about $2,600.00.  I thought my mother was going to have a stroke (no kidding), and she immediately canceled her cards and started on a very long journey of getting her credit back in order!

     This was about 5 years ago when all of this happened and caused a lot of heartache for all of us!  My mother had to prove she was who she said she was and that she in fact did NOT purchase these items that were bought.  It also made it difficult for any accounts that my father was on because he also had to get all new cards and change accounts, simply because they didn't get a check on their Free Credit Score!  Do you know where your credit stands and if your Identity has been stolen?  Do you know the process if someone has stolen or even tried to steal your ID?  With the Economy upside down like it is right now, now is the perfect time to check it out and see where you stand.  And if yu are thinking that you don't have credit cards so you have nothing to worry about, you are WRONG!  Someone else may have your Social security number and driving a brand new car on your credit today!