cra-Z asked:


Okay so say I have something on my credit card that should not be there. And it was ordered online. Can I call the credit card company and find out what address it was shipped to? Or is that not possible?

DW asked:


I recently started receiving mail at my home address but not addressed to me or the previous owner. Normally I wouldn’t care – but I am receiving credit solicitations. Does this mean that someone is applying for credit using their name but possibly my address?
I have not received anything other than solicitations- no bills, statements, etc.
Do I need to be concerned?

Doc S asked:


My friend has a phishing site and does credit card fraud. He makes alot of money which goes into his bank account. When I ask him, if they could track him down. He tells me that it’s very rare for them to do so because it costs money, etc. So could he really get away with doing this? (BTW, he lives in Canada)

EMPEROR WEAVER asked:


How can I improve my Credit, I am a victim of credit fraud? I need to know how I can Improve my score it seems when your late paying a debt and you return to correct it Your score goes lower I wasn’t approved for a credit card. So what options do I have? Help is needed bad. Thanks in Advance!!!

gr33dos asked:


I had my identity stolen (credit card information, SSN, etc.) and filed a police report in order to have a 7-year alert placed on my credit report. The idea is if anyone tries to open new credit, an alert directs the merchant/bank to call me immediately.

I moved and got a new phone number; I can’t find any way to contact the credit unions in order to update my information. I have spent 3+ hours on hold, trying to find the right contact, and I can’t find the right person to help me!

fengaraerith asked:


I have a friend (I swear this isn’t me) whose mother filed for credit cards and loans under both her and her sister’s credit lines, forging their names on the signatures for the money. It has gotten to the point where there is about $80,000 each girl ($160,000 total) in total debt. She has no prior offenses, so if charges were filed, what kind of penalties would the mother be looking at if she were charged with Credit Fraud?

Sweetie asked:


Two people used my credit cards without my consent. I filed a police report and they were arrested and jailed for 7 weeks. Their hearing is on Jan. 14 and I want to drop the charges even though they already confessed to everything. I was told that as long as I filed a police report I was OK. If I drop the charges now will my credit be ruined or is it still fraud?

sk8dudewmu asked:


my dad and i have the same name. he allowed me to use his credit card to make a 5k charge while i was still living at home. i now live in another state and he now is threating to press charges. its been over a year and numerous payments have been made. Am i in legal trouble? our credit reports were also merged for awhile and i recieved credit offers in the mail at my new residence and opened a card not knowing that it was under his social. Again, numerous payments have been made. Can i be charged for fraud on that too?
how he found out about the other card was during us trying to straighten our credit reports out. the card has never been late its just he wants to get another house and it adds to his debt ratio

Guru asked:


Do local police seriously investigate credit card fraud?
For amounts say around $700 do local police departments investigate credit card fraud or do they not usually bother? At what amount do they care?

How about bank companies and credit card companies, do they investigate it for amounts around $700.

My card was stolen last week and although they said I will be reimbursed, I was just wondering if they will investigate such a small amount. The card was stolen to make purchases online, so there is no real identity of hte person, will they be able to track them down?

How long does it take to investigate?

mike L asked:


I’ve been worrying that this credit card fraud thing i have on my juvinile record (15 yrs old) is going to kill me. Today I found out that it is on my juvinile record but it says the charges were dissmissed. So it’s on there but the charges were dismissed. I have nothing else on my record. Can this be held against me or am I just being paranoid?