How to block credit

Dean Cascio

May 13, 2007 07:24

My sister kept getting credit cards through the mail that she didn't want, so she just kept shredding them and not giving it a second thought.Suddenly, she gets a $500 charge from India. Apparently someone had activated the account in India. My question is...what's that going to do to his karma?? Just kidding. I've heard in the past that people can block their own credit and that the credit industry will only extend credit to them if they give a specific ok. So, how do I go about doing this and how do I contact all of the different credit card companies?
Dean

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  tsavo303

  May 13, 2007 07:27

  Some states allow you to freeze your credit, others dont (It apparently does not belong to you)
  anyone can put a temp. fraud alert (i try to evry 90 days)
  get a police report (since there was fraud) and you can put a Permanant fraud alert on you file, and anyone is suppposed to call and verify (with the number that you put on file ) that credit should be extended to that vendor
  www.clarkhoward.com

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  Marc1301

  May 13, 2007 07:31

  https://www.optoutprescreen.com/?rf=t
  
  Here is the site you need!
  That is for the purpose, of not receiving more offers, or cards. To cancel the existing, you will have to call each customer service number on the back of the card, or put a fraud warning, on each card.

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  tsavo303

  May 13, 2007 07:34

  that is just supposed to stop pre-approved, useful, but he needs to do the fraud alerts also

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  ripley16

  May 13, 2007 07:42

  I would advise she check here to look for other problems.
  https://www.annualcreditreport.com/cra/index.jsp
  
  She is entitled to three FREE credit reports each year, one from each main reporting agency. Space them out over four month periods to cover the whole year.

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