Re: Way OT (credit fraud countermeasures)

Discussion in 'Food and nutrition' started by Kyle Phillips, Feb 27, 2005.

  1. In article <[email protected]>, "Kyle Phillips"
    <[email protected]> wrote::

    > Subject: IDENTITY PROTECTION
    > A corporate attorney sent the following out to the employees in his
    > company.
    > I pass it along, for your information.
    >
    > The next time you order checks have only your initials (instead of
    > first name) and last name put on them. If someone takes your
    > checkbook they will not know if you sign your checks with just your
    > initials or your first name but your bank will know how you sign your
    > checks.


    I was once told that the bank doesn't give a rip about the signature --
    unless YOU, the customer and account owner, complain about a check that
    you believe was forged. Until that happens, the bank assumes
    everything is just fine.
    --
    -Barb, <www.jamlady.eboard.com> Sweet Potato Follies added 2/24/05.
    "I read recipes the way I read science fiction: I get to the end and
    say,'Well, that's not going to happen.'" - Comedian Rita Rudner,
    performance at New York, New York, January 10, 2005.
     


  2. In article <[email protected]>, Dog3
    <[email protected];ajklsd;ajlds.nutz> wrote:

    > > When shopping and handing over my credit card and signing the charge
    > > slip, I often ask the clerk, "Did you check the signatures, to see if
    > > they match?" I'm always greeted with the same puzzled look. Scary.
    > > Try it sometime.
    > >
    > > Dora

    >
    > Never do I think to do that. I never check my slips or destroy them.


    Are you going to start?
    --
    -Barb, <www.jamlady.eboard.com> Sweet Potato Follies added 2/24/05.
    "I read recipes the way I read science fiction: I get to the end and
    say,'Well, that's not going to happen.'" - Comedian Rita Rudner,
    performance at New York, New York, January 10, 2005.
     
  3. Hi Carol,

    I was going to reply via email but see you're going to mailblocks and don't
    know how they work. I simply jimmied my address so a spambot won't be able
    to fix it (I hope).

    In any case, it's nice to know someone thought of me, and also to be back
    after several years of ISPs who were woefully bad with English language
    newsgroups (a disadvantage of being in Italy, I guess...). I'm expecting to
    stay with Alice, my current ISP, for a while.

    Kyle
    Who will bore all with the next issue of Cosa Bolle in Pentola
    >
    > Thanks for this information, Kyle. And it's so cool that you're posting
    > again. You were missed.
    >
    > I think it's about time I made your lasagna with bechamel (thanks for
    > telling me what bechamel was), prosciutto and yummy red sauce. I wonder

    if
    > the deli is still open.
    >
    > Carol
    >
    >
    > --
    > "Years ago my mother used to say to me... She'd say,
    > 'In this world Elwood, you must be oh-so smart or oh-so pleasant.'
    > Well, for years I was smart.... I recommend pleasant. You may quote me."
    >
    > *James Stewart* in the 1950 movie, _Harvey_
     
  4. Sandi

    Sandi Guest

    if you inform them you are persuing and identity theft case, the credit
    report is free...as well as the follow up reports with corrected
    information. Been there, done that, got the stacks of file folders,
    international phone bills, and fax fees to prove it!

    Sandi
     
  5. Sandi

    Sandi Guest

    It was always free if you told them you were persuing ID theft and gave
    them a police report number.

    Sandi
     
  6. Kyle wrote:

    <snip>

    >The numbers are:
    > Equifax: 1-800-525-6285
    > Experian (formerly TRW):
    > 1-888-397-3742
    > Trans Union: 1-800-680-7289
    > Social Security Administration (fraud
    > line): 1-800-269-0271


    Here's a link to today's MSN offering:

    http://moneycentral.msn.com/content/Banking/FinancialPrivacy/P33715.asp?Printer

    It may simply be reiterating what you've already posted. I'm saving
    your post to print out. Thanks.

    Elaine
     
  7. Goomba38

    Goomba38 Guest

    Melba's Jammin' wrote:

    > In article <[email protected]>, Dog3
    > <[email protected];ajklsd;ajlds.nutz> wrote:
    >
    >
    >>>When shopping and handing over my credit card and signing the charge
    >>>slip, I often ask the clerk, "Did you check the signatures, to see if
    >>>they match?" I'm always greeted with the same puzzled look. Scary.
    >>>Try it sometime.
    >>>
    >>>Dora

    >>
    >>Never do I think to do that. I never check my slips or destroy them.

    >
    >
    > Are you going to start?


    AND use a shredder at home to take care of it when
    you're ready to part with these things??
    Goomba
     
  8. Default User

    Default User Guest

    Sandi wrote:
    > It was always free if you told them you were persuing ID theft and

    gave
    > them a police report number.



    Please start following usenet conventions and quote a reasonable
    portion of the post you are replying to, so that people know what you
    are talking about. I know that it isn't obvious how to do so, because
    Google screwed it up, but it isn't difficult.

    Instead of using the Reply at the bottom of the message, click "show
    options". Then use the Reply in the expanded headers.

    Thanks.



    Brian
     
  9. Default User

    Default User Guest

    Dog3 wrote:

    > > And IIRC as of March 1st (this Tuesday) these agencies are required

    to
    > > give you a credit report for no cost...
    > >

    >
    > I just got one. Whoever this person is, has been using my info for

    months.
    > This is going to be a nightmare, I can see it now. At least I'm

    heading for
    > a late lunch with friends. I get enchiladas today. Yumm. I'm going to


    > Chueys in Dogtown. Their salsa is to die for. I'm being picked up and


    > around. SO's Jeep is in the shop and he has commisioned mine.


    Unfortunately, that doesn't surprise me. Be sure to get a fraud alert
    placed on your credit files. This will keep any new credit accounts
    from being set up without them first contacting you. Some details at
    the link below:


    http://www.fightidentitytheft.com/flag.html

    Good luck buddy.


    Brian
     
  10. In article <[email protected]>, Dog3
    <[email protected];ajklsd;ajlds.nutz> wrote:

    > >>
    > >> Never do I think to do that. I never check my slips or destroy them.

    > >
    > > Are you going to start?

    >
    > You betcha I'm gonna check. I may just drive to Nebraska to find this
    > person. I have a feeling this person was in St. Louis at one of my doc's
    > offices. That is where they got it. From now on, I'm checking everything
    > when I purchase. What I want to know is, do you sign the credit card or
    > not? I've been told yes and no.
    >
    > Michael


    I sure do sign the card. I also acknowledge the clerk who compares the
    signature to the signed receipt. I'm also in the habit of shredding
    just about anything with my name on it, too.

    Interesting tidbit: My local Cub stores do not require a signature on
    the slip if the amount is under $25. I have no idea why they do not.
    --
    -Barb, <www.jamlady.eboard.com> Sweet Potato Follies added 2/24/05.
    "I read recipes the way I read science fiction: I get to the end and
    say,'Well, that's not going to happen.'" - Comedian Rita Rudner,
    performance at New York, New York, January 10, 2005.
     
  11. zxcvbob

    zxcvbob Guest

    Default User wrote:
    > Gregory Morrow wrote:
    >
    >>Nancy Young wrote:
    >>
    >>
    >>>"Kyle Phillips" <[email protected]>
    >>>
    >>>>The numbers are:
    >>>>Equifax: 1-800-525-6285
    >>>>Experian (formerly TRW): 1-888-397-3742
    >>>>Trans Union: 1-800-680-7289
    >>>>Social Security Administration (fraud line): 1-800-269-0271
    >>>
    >>>GOOD JOB!!! I wanted to post this information but I didn't know
    >>>where to look for it. Thanks for your post, great information.
    >>>

    >>
    >>
    >>And IIRC as of March 1st (this Tuesday) these agencies are required

    >
    > to give
    >
    >>you a credit report for no cost...

    >
    >
    >
    > They are rolling out the free reports in phases by region of the
    > country. West coast got theirs starting Jan. 1. The midwest has them
    > available starting Mar. 1. That's good for Dog3, as he is a St. Louis
    > guy and can get them (and REALLY needs them).
    >





    www.annualcreditreport.com

    Best regards,
    Bob
     
  12. Bob

    Bob Guest

    Barb wrote:

    > I sure do sign the card. I also acknowledge the clerk who compares the
    > signature to the signed receipt. I'm also in the habit of shredding
    > just about anything with my name on it, too.


    Problem is, most clerks DON'T compare the signature on the receipt to the
    signature on the card. I think I've posted the following link here before,
    and it's funny to read, but it points up the utter failure of the signature
    concept:

    http://www.thescreamonline.com/cartoons/cartoons3-3/index.html

    Bob
     
  13. Tony P.

    Tony P. Guest

    In article <[email protected]>,
    [email protected] says...
    > In article <[email protected]>, "Kyle Phillips"
    > <[email protected]> wrote::
    >
    > > Subject: IDENTITY PROTECTION
    > > A corporate attorney sent the following out to the employees in his
    > > company.
    > > I pass it along, for your information.
    > >
    > > The next time you order checks have only your initials (instead of
    > > first name) and last name put on them. If someone takes your
    > > checkbook they will not know if you sign your checks with just your
    > > initials or your first name but your bank will know how you sign your
    > > checks.

    >
    > I was once told that the bank doesn't give a rip about the signature --
    > unless YOU, the customer and account owner, complain about a check that
    > you believe was forged. Until that happens, the bank assumes
    > everything is just fine.
    >


    That's true - then they pull out the card you signed when you created
    the account and get real handwriting experts to examine it and the
    allegedly forged document.
     
  14. Tony P.

    Tony P. Guest

    In article <Xns9[email protected]>, [email protected]
    says...
    > Melba's Jammin' <[email protected]> wrote in news:thisisbogus-
    > [email protected]:
    >
    > > In article <[email protected]>, Dog3
    > > <[email protected];ajklsd;ajlds.nutz> wrote:
    > >
    > >> > When shopping and handing over my credit card and signing the charge
    > >> > slip, I often ask the clerk, "Did you check the signatures, to see if
    > >> > they match?" I'm always greeted with the same puzzled look. Scary.
    > >> > Try it sometime.
    > >> >
    > >> > Dora
    > >>
    > >> Never do I think to do that. I never check my slips or destroy them.

    > >
    > > Are you going to start?

    >
    > You betcha I'm gonna check. I may just drive to Nebraska to find this
    > person. I have a feeling this person was in St. Louis at one of my doc's
    > offices. That is where they got it. From now on, I'm checking everything
    > when I purchase. What I want to know is, do you sign the credit card or
    > not? I've been told yes and no.


    Better yet - contact the entity that loaned the money for the vehicle
    and get the VIN. From there, have a friend at a local PD run an NCIC
    check on the VIN which will then return the registration information.
    You may elect to let your PD contact their local PD at that point,
    unless you just want to put a .45 slug into the perps body.
     
  15. Tony P.

    Tony P. Guest

    In article <[email protected]>,
    [email protected] says...
    > In article <[email protected]>, Dog3
    > <[email protected];ajklsd;ajlds.nutz> wrote:
    >
    > > >>
    > > >> Never do I think to do that. I never check my slips or destroy them.
    > > >
    > > > Are you going to start?

    > >
    > > You betcha I'm gonna check. I may just drive to Nebraska to find this
    > > person. I have a feeling this person was in St. Louis at one of my doc's
    > > offices. That is where they got it. From now on, I'm checking everything
    > > when I purchase. What I want to know is, do you sign the credit card or
    > > not? I've been told yes and no.
    > >
    > > Michael

    >
    > I sure do sign the card. I also acknowledge the clerk who compares the
    > signature to the signed receipt. I'm also in the habit of shredding
    > just about anything with my name on it, too.
    >
    > Interesting tidbit: My local Cub stores do not require a signature on
    > the slip if the amount is under $25. I have no idea why they do not.


    Yes - that's a new feature meant to speed transaction times. Turns out
    that most charges on credit and debit cards are $25 or less.

    I've also noted that your receipts generally print only the last four
    digits of your card number. That leaves twelve digits, first digit being
    a 3, 4, 5, or 6. Those correspond to American Express, Visa
    International, MasterCard International and Discover. So that would be 3
    *10^11 possibilities to go through, or 300,000,000,000. I believe the
    last digit or two is part of a check digit algorithm but it has been a
    long time since I wrote credit card processing software.
     
  16. Sandi

    Sandi Guest

    Default User wrote:
    > Sandi wrote:
    > > It was always free if you told them you were persuing ID theft and

    > gave
    > > them a police report number.

    >
    >
    > Please start following usenet conventions and quote a reasonable
    > portion of the post you are replying to, so that people know what you
    > are talking about. I know that it isn't obvious how to do so, because
    > Google screwed it up, but it isn't difficult.
    >
    > Instead of using the Reply at the bottom of the message, click "show
    > options". Then use the Reply in the expanded headers.
    >
    > Thanks.
    >
    >
    >
    > Brian


    I´ve posted here for several years and today I freaking forgot to use
    the alternative show options method to reply. So shoot me. Are you so
    perfect that you never make mistakes or errors?


    Sandi
     
  17. "Bob" <[email protected]_spammer.biz>, if that's their real name, wrote:

    >Problem is, most clerks DON'T compare the signature on the receipt to the
    >signature on the card.


    I just ordered new checks, and they offered the opportunity to put my own
    little message just above my signature. This is what will be on my checks:

    PLEASE COMPARE MY SIGNATURE WITH MY DRIVER'S LICENSE.

    We'll have to see if it helps any.

    Carol
    --
    "Years ago my mother used to say to me... She'd say,
    'In this world Elwood, you must be oh-so smart or oh-so pleasant.'
    Well, for years I was smart.... I recommend pleasant. You may quote me."

    *James Stewart* in the 1950 movie, _Harvey_
     
  18. Maverick

    Maverick Guest

    "Tony P." <[email protected]> wrote in message
    news:[email protected]
    > In article <[email protected]>,
    > [email protected] says...
    >> In article <[email protected]>, "Kyle Phillips"
    >> <[email protected]> wrote::
    >>
    >> > Subject: IDENTITY PROTECTION
    >> > A corporate attorney sent the following out to the employees in his
    >> > company.
    >> > I pass it along, for your information.
    >> >
    >> > The next time you order checks have only your initials (instead of
    >> > first name) and last name put on them. If someone takes your
    >> > checkbook they will not know if you sign your checks with just your
    >> > initials or your first name but your bank will know how you sign your
    >> > checks.

    >>
    >> I was once told that the bank doesn't give a rip about the signature --
    >> unless YOU, the customer and account owner, complain about a check that
    >> you believe was forged. Until that happens, the bank assumes
    >> everything is just fine.
    >>

    >
    > That's true - then they pull out the card you signed when you created
    > the account and get real handwriting experts to examine it and the
    > allegedly forged document.


    I sure hope I have to deal with identity theft. And if I did and they
    compared signatures on my checks against the card I have on file, I'll be
    doing a lot of years. My handwriting sucks ass big time!

    Bret



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  19. Maverick

    Maverick Guest

    "Dog3" <[email protected];ajklsd;ajlds.nutz> wrote in message
    news:[email protected]
    > Melba's Jammin' <[email protected]> wrote in news:thisisbogus-
    > [email protected]:
    >
    >> In article <[email protected]>, Dog3
    >> <[email protected];ajklsd;ajlds.nutz> wrote:
    >>
    >>> > When shopping and handing over my credit card and signing the charge
    >>> > slip, I often ask the clerk, "Did you check the signatures, to see if
    >>> > they match?" I'm always greeted with the same puzzled look. Scary.
    >>> > Try it sometime.
    >>> >
    >>> > Dora
    >>>
    >>> Never do I think to do that. I never check my slips or destroy them.

    >>
    >> Are you going to start?

    >
    > You betcha I'm gonna check. I may just drive to Nebraska to find this
    > person. I have a feeling this person was in St. Louis at one of my doc's
    > offices. That is where they got it. From now on, I'm checking everything
    > when I purchase. What I want to know is, do you sign the credit card or
    > not? I've been told yes and no.
    >
    > Michael


    Michael, Sorry this had to happen to you in the Great Shitty State of
    Nebraska, first of all. Secondly, I'd like to point out that I live in the
    western end of the state so that excludes me from the list of suspects. Not
    to mention the fact that I've only been in MO once and I swear to god I
    never left the airport and that was 3 years ago.

    Bret
    (Nebraska. The Great Shitty State! We have meth labs left and right and
    now apparently identity theft too. I need to move.)



    ----== Posted via Newsfeeds.Com - Unlimited-Uncensored-Secure Usenet News==----
    http://www.newsfeeds.com The #1 Newsgroup Service in the World! 120,000+ Newsgroups
    ----= East and West-Coast Server Farms - Total Privacy via Encryption =----
     
  20. "Maverick" <[email protected]>, if that's their real name, wrote:

    >Michael, Sorry this had to happen to you in the Great Shitty State of
    >Nebraska, first of all. Secondly, I'd like to point out that I live in the
    >western end of the state so that excludes me from the list of suspects. Not
    >to mention the fact that I've only been in MO once and I swear to god I
    >never left the airport and that was 3 years ago.


    I dunno. Methinks thou doth protest too much. Michael, I think you ought
    to track this guy down. ;)

    Carol
    --
    "Years ago my mother used to say to me... She'd say,
    'In this world Elwood, you must be oh-so smart or oh-so pleasant.'
    Well, for years I was smart.... I recommend pleasant. You may quote me."

    *James Stewart* in the 1950 movie, _Harvey_
     
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