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December 17th, 2009
10:31 am
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One of our customers just called in to report that he had gotten a suspicious e-mail -- and later, phone call -- telling him that his credit card had gone over limit (he got suspicious and checked with his bank directly; no such thing had happened).

As an ISP, we can't directly help with cases of potential identity theft, but I did point him to the Web site www.ftc.gov/freereports -- which tells American citizens how they can obtain a free, no-strings-attached credit report (up to three times every 12 months, once per credit reporting firm) under federal law. It's a good reminder for my friends, too.

Current Location: ~spiral
Current Music: Cowboy Bebop OST, "American Money"

(3 comments | Leave a comment)

Date:December 17th, 2009 08:01 pm (UTC)
Likewise, sites such as "freecreditreport.com" aren't actually free. This is why it pays to go through the government, in this case.
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Date:December 17th, 2009 09:30 pm (UTC)
Yeah, the real one actually moves every so often. "freecreditreport.com" is the one run by the exact same companies and designed to look as much like the real one as possible, as well as being the one they advertise as widely as possible while actively making the other one harder to find. freecreditreport.com waits 90 days, then starts billing you $30/mo.

I overheard the staff at my old apartment complex rejecting a prospective tenant for credit-report reasons, and recommending freecreditreport.com. Which is even more thoroughly wrong- since it's "adverse action taken based on a credit report", they're entitled to a copy free separate from the annual one. (In face-to-face situations, I'm pretty sure they can get a printout of the exact copy the representative used to reject them...)

So misinformation/disinformation is extremely widespread.
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Date:December 22nd, 2009 08:47 am (UTC)
Perfect icon with that subject line. :D
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