Post # 1
About a month ago I was shopping with my sister and went to use my store frequency card (points only, it’s not a credit card) and the clerk asked me if I was (blank). I said “No, that’s not me” and gave her my real name. Got the name adjusted on the card and all was good. A couple weeks later, I got a call from a collections agency looking for (blank), but again I told them that it wasn’t me and they had the wrong number.
Today, I went to get an oil change and they looked up my phone number and asked if I was (blank). Again, I told them no, that’s not me! Each of those times it’s the same name, and it’s a very male name. Obviously, it’s not me!
So, I called our bank immediately and had a watch put on our accounts. Nothing suspicious has happened there, or with the account that I still have in my maiden name. I’ve requested credit reports (nothing suspicious there either), and have fraud alerts on our accounts as well. The Social Security office wasn’t much help and just said to keep an eye on everything.
What else can I do? I don’t even really have a credit history (paid cash for cars, no student loans, we’re renting so no mortgage, etc), but now I’ve been told that I really should start to build credit for when Darling Husband and I want a house. Is applying for a credit card and paying it off each month the way to go? Any advice is appreciated!!
Post # 3
Find out who had that phone number before you. Cell phone companies recycle the phone numbers so you might be getting people calling for the person who had the number before you. If this is the case the calls should die down eventually. In addition it’s not uncommon for people who know they are going to fault on their accounts to put down a random number (in this case it just happens to be yours) so that they won’t receive the collections calls. In both cases your identity has most likely not been stolen, you’re the victim of inconsiderate douchbags.
Post # 4
I often get calls from a collections agency looking for someone who I assume owned my phone number previously. Its annoying, as once or twice a month I have to spend 10 minutes on a call explaining that I am not the person they are looking for. I also get drunken calls from this person’s aunt, and texts froma gent identifying himself as “Clintorus” a few times a year. I’ve had this number for 5 years. You would think they would all get the hint after a while… apparently not
Post # 5
@lil_possum: Clintorus? Is this person a male escort?
Post # 6
@distracts: Lol, no idea. Usually he’s letting me know he intends to purchase “rounds” and let him know if I want any
Post # 7
@renwoman: Aaaagh! I have a Tracfone that used to belong to some guy who MUST be in debtor’s prison by now–I get 2-5 phone calls a DAY from collection agencies looking for this guy!