Archive for March 7, 2009

It’s true, identity theft does occur!

Posted in Musings on March 7, 2009 by xxxicana


Ya know, I just never really concerned myself too much about financial issues — maybe because I spent so much time in self-imposed poverty (hint:  it’s called grad school).  Now that I am trying to build some type of economic stability, I’ve become kinda psycho about the process.  I opened a high interest account with an online bank.  Cool deal — I received a $25.00 opening bonus.  Bad news today when I attempted to open a checking account (they offer free bill pay, higher interest, etc.).   The bank closed my account down!!  But, I have to wait for at least 10 days to get my savings account funds transferred back to my bank — WTF????  The problem is that my identity could not be verified!  Since online banks can’t check out your physical ID, they ask a series of questions, including prior addresses, people you know, etc.                                                 I FAILED THE TEST!!!!

I was pretty annoyed.  But, I recalled that I had a copy of my credit report from last summer and there were some anomalies that I didn’t really think were all that important.  So, today I requested a full  blown credit report from all three bureaus.  OMG!  There were several names, addresses, phone numbers, a different ssn, collections, etc., on my report.  So, I called up one of the bureaus to report the discrenpencies.  I was told that my history has been mixed up with someone with a similar name . . . and just my luck, she’s a total loser!  (more than me).

Anyway, the very nice person on the line went through all the information and an investigation will be launched.  I should have a cleaned up history in about 30 days.

Moral of the story . . . check your credit history annually . . . just like they tell you.  Everyone is allowed one free report a year, here’s the link: (note: this is the only authorized online source).