Unbelievably bad week for the FatCoolOne

fatdaddycool

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You don't need to go to the monthly expense of any credit monitering service or LifeLock. We all have the right to lock our credit files. Some states allow this to be done for free....it just depends on where you live. The best part is that if you've been an identity theft victim..... IT IS FREE.

Just read this......

Credit freezes are one of the most effective tools against economic ID theft available to consumers. They allow you to lock up your records and select a secret code that only you know and can use to temporarily "thaw" your credit. That added layer of security means that thieves can't do anything with your information even if they are able to obtain it.

Freezes have always been available for free to victims of ID theft. But recently all three of the major credit bureaus adopted new rules allowing more non-victims to have access to them than ever.

This is a big step forward. Before the new rules, only residents in the 39 states (plus Washington D.C.) listed in the columns below were allowed by statute to request a credit freeze. Now everyone else in the other 11 states -- Alabama, Alaska, Arizona, Georgia, Idaho, Iowa, Michigan, Missouri, Ohio, South Carolina, and Virginia -- will be allowed to take this preemptive measure against ID theft. If you live in one of the 11 states, here's what you need to know:

? The cost varies by state and can be up to $10 per bureau. Under that scenario, the total amount to freeze all three credit reports would be $30. (For Georgia residents, the cost will be $3 per bureau as of Aug. 1, 2008. It will be free for senior citizens and victims of ID theft with a valid police report.)
? It will also cost you up to $10 per bureau each time you want to unfreeze or "thaw" your records to apply for new credit. Again, this fee varies on a state-to-state basis.

Full instructions for requesting your credit freeze online are available at TransUnion.com, Experian.com and Equifax.com*.

Requesting your freeze by telephone? Here are the numbers to call:
For Experian, dial 1-888-397-3742
For Equifax, dial 1-800-685-1111
For TransUnion, dial 1-888-909-8872

If you'd like to request a freeze by mail, use the following form letters for TransUnion, Equifax and Experian.

* The online option for Equifax currently is only available to residents of Georgia, Iowa, New Jersey and Wyoming.

Hey thanks for the tip. It really helped. Hasn't cost me a fuhkin thing to get everything I own frozen including withdrawals and deposits and lucky for me............ Equifax, TransUnion and Experian are all on board with freezing my credit...............yep.............right there at the lowest point in my life they want to freeze it for me when the score has hit rock fuhkin bottom because some asshole stole more money from me than I can ever imagine and now all my bills are going unpaid due to the fact that those three were right on top of their game. Yeah that helped.
Hey for your 269th post maybe you can tell us about kickin the shit out of the little retarded kid down the street.................well not that because that I would probably find a bit funny so...............how about telling me how we blew up the Pentagon, that oughta help.


Hope this helps you a hell of a lot more that you helped me,
FDC
 

THE KOD

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You're response to my post is insulting....why would a guy come in here and whine about being a victim and then attack someone for trying to help? You sir....are just amazing !!!

:shrug: :shrug: :shrug:
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why dont you go find the space needled and stick it up ur ars.

or maybe hike up mt ranier and jump.

Hope that helps
 

THE KOD

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Hey thanks for the tip. It really helped. Hasn't cost me a fuhkin thing to get everything I own frozen including withdrawals and deposits and lucky for me............ Equifax, TransUnion and Experian are all on board with freezing my credit...............yep.............right there at the lowest point in my life they want to freeze it for me when the score has hit rock fuhkin bottom because some asshole stole more money from me than I can ever imagine and now all my bills are going unpaid due to the fact that those three were right on top of their game. Yeah that helped.
Hey for your 269th post maybe you can tell us about kickin the shit out of the little retarded kid down the street.................well not that because that I would probably find a bit funny so...............how about telling me how we blew up the Pentagon, that oughta help.


Hope this helps you a hell of a lot more that you helped me,
FDC

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I think I read most of this thread so I got the gist.

It sounds to me like you have used your credit cards indisciminantly over the internet for too many years. That shit will catch up to you. My wife got a Orchard Bank card over the internet and the first time she used it she started to get bills on it for memberships. When she called to cancel it , they sold her card number to someone else and they started charging the card. The fraud dept at the bank said it happens all the time.

Sorry - dont buy shit over the internet.

hope that helps ( patent pending )
 

fatdaddycool

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You're response to my post is insulting....why would a guy come in here and whine about being a victim and then attack someone for trying to help? You sir....are just amazing !!!

:shrug: :shrug: :shrug:

re-read it Cheif!!!!! It's friggin funny and you know it. I know you were trying to help, but ask yourself this...........did it.........really......help I mean? My assets are frozen as it has to be proven that I didn't mastermind some ridiculous plot to have a buddy steal my identity on purpose. I will be cleared and my accounts shoud be back in order soon enough. So yes it does moron. Besides its moran and a reference to another thread so again it was meant to be funny and if you had been paying attention for the last five years or so Potsie, it is exactly the post that most would have expected from me so consider yourself lucky I was just having some fun at your expense. Your post was helpful to someone who just learned to read other than that it got what it deserved. So tell me..................how'd you like this one? Much nicer me don't you think. Yeah its a new thing I am trying called, be nice tot he retarded.

Hope this helps,
FDC




Wow that was brutal:0corn Sorry:00hour
 

fatdaddycool

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................................................................

I think I read most of this thread so I got the gist.

It sounds to me like you have used your credit cards indisciminantly over the internet for too many years. That shit will catch up to you. My wife got a Orchard Bank card over the internet and the first time she used it she started to get bills on it for memberships. When she called to cancel it , they sold her card number to someone else and they started charging the card. The fraud dept at the bank said it happens all the time.

Sorry - dont buy shit over the internet.

hope that helps ( patent pending )

Actually big boy it has more to do with the fact that I bank at the AA credit union and all my accounts are with them other than my home loan. I never make purchases over the internet except a couple that I have made through paypal and that account got tampered with also. with all my acconts such as truck lona, savings. checking, boat loan, etc.. all have the same account number save a different dash number. That is why they chose to freeze them until this mess is cleared up. I understand it, don't like it and have had to deal with some serious crap because of it but life is still fun. I will get through it eventually. I do pay my bills over the internet and many of them, almost all of them are direct debits from my checking account. The only bad part is I have no access to my money for the time being and need new tires so that sucks, other than that I have Killian to help me out.


Hope this helps, (give it up Scott, you know this is considered my signature statement and although I applaud your resentment it is time to let go).
FDC
 

THE KOD

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Actually big boy it has more to do with the fact that I bank at the AA credit union and all my accounts are with them other than my home loan. I never make purchases over the internet except a couple that I have made through paypal and that account got tampered with also. with all my acconts such as truck lona, savings. checking, boat loan, etc.. all have the same account number save a different dash number. That is why they chose to freeze them until this mess is cleared up. I understand it, don't like it and have had to deal with some serious crap because of it but life is still fun. I will get through it eventually. I do pay my bills over the internet and many of them, almost all of them are direct debits from my checking account. The only bad part is I have no access to my money for the time being and need new tires so that sucks, other than that I have Killian to help me out.


Hope this helps, (give it up Scott, you know this is considered my signature statement and although I applaud your resentment it is time to let go).
FDC
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haha

Listen big boy. :mj07:

I am sorry this happened to you and unfortunately it will be very difficult to actually catch and prosecute these people. Once they cash they disperse your money and run and set up again.

If you really want to get pissed off, think of them sitting in Tahiti drinking them drinks with the pink umbrellas spending your money on boos and hos.
:scared

The bad part about this is that it may take years for you to get this straightened out and be able to get credit again. The trans unions of the world are the most difficult people in the world to get shit taken off your credit report. Get ready to write a ton of letters. Then wait a few months, check your credit report to see they havnt done shit and write some more letters.

I have been through this when my wife went through the same thing.

If you need the tires I guess I could front you the money.

stick the hope this helps up your ars
 

THE KOD

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Actually big boy it has more to do with the fact that I bank at the AA credit union and all my accounts are with them other than my home loan.FDC
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havnt you ever heard the one about dont keep all your money in one pot big boy ?
 

fatdaddycool

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Scott,
If I had kept all my money in pot I wouldn't have this problem...........just sayin:shrug:




Hope this helps, (fits nicely thanks)
FDC
 

fatdaddycool

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Anybody lash out much?:scared


Yeah the last one wasn't as witty as I would have liked but what're ya gonna do. I am not really on top of my game I guess but I mean come on?????

Who the hell posts something like that. It's like you post something about getting friggin eColi from Steak and Shake and having someone else read me the symptoms of the stupid shit. I know what the damn sypmtoms are you idiot now if you want to help wipe my ass with a soft cloth moistened with a bit of salve or shut the hell up.

Thats kind of where I was coming from on that one. Nothing against the guy really, seems like he meant well but then again how much did I really need to hear someone tell me credit freezes are helpful. Yea, thanks for that Pontius I should be good from here thanks for the help, Jesus
Just sayin:shrug:

Hope that helps,
FDC
 

THE KOD

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. I know what the damn sypmtoms are you idiot now if you want to help wipe my ass with a soft cloth moistened with a bit of salve or shut the hell up.

but then again how much did I really need to hear someone tell me credit freezes are helpful. Yea, thanks for that Pontius I should be good from here thanks for the help, Jesus
Just sayin:shrug:

Hope that helps,
FDC

..............................................................

:142smilie :142smilie

I think when some people post to a request for help in here, they really dont expect anyone to read it.
 

ryson

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Dec 22, 2001
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Sorry - dont buy shit over the internet.

hope that helps ( patent pending )

Why do you feel it's not safe to transact online? There are millions of dollars of ecommerce transactions every day and it's growing due to the cost of fuel. Obviously there are sites that you should not be doing business with. You can always get a credit card with a low limit like a couple grand and use that for internet transactions. If you have an AMEX, JPMC, CITI etc. you are on the hook for 50 bucks if the number gets stolen.
 
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