You're a victim of identity theft. You should start here: https://www.usa.gov/identity-theft
this post was submitted on 01 Apr 2024
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Thanks for the link. I wasn't aware of that site.
Start with a local police report and take that to the credit bureaus; that way you don’t have to deal with Wayfair itself.
Look into the benefits offered by your other credit cards. My identity was stolen a few years ago and I learned like a few months ago that one of my credit cards offers free identity protection services if/when your identity gets stolen.
They handle all of the annoying shit like contacting the bank, getting the debt off of your credit card, etc.
If not, and you were part of the Equifax (or any) hack, you likely have this same service available to you for free.
Just a friendly reminder to lock your credit.
Worth noting, there is a difference between “lock” and “freeze”. See this article for the difference but I believe freezing is preferable https://krebsonsecurity.com/2018/09/credit-freezes-are-free-let-the-ice-age-begin/
Freezes are free now and my experience has been they are instantaneous for freezing and thawing.
I’ve had all my credit frozen for several years, ever since I got a call from Best Buy about someone trying to setup a credit card in my name. I since had a report that my credit line at sprint was declined because my credit was frozen. It’s no big deal to freeze and thaw.
What exactly does it mean to lock one’s credit?
Prevents anyone from opening shit with out you very specific pin number....keep that shit in fort knox
Mine is so secret that even I don't remember what it is, which will be fun when I need to thaw it out.
I meant freeze, which you should do.
I would, but mine’s on an upswing right now.
Locking credit doesn't prevent it from changing, it just makes it so no one can get your report until you unlock it. This should be the default behavior, but it would prevent these companies from making as much money.
Oh! Thanks!
Yeah locking it just means nobody can open new lines of credit on the social security number. Then you can use multi factor authentication on the different bureau sites. You'll need to lock it on all three... Which sucks.
It's annoying, it's stupid that we have to do this. But you gotta look out for yourself.
Most places I’ve seen this referenced it is called a “credit freeze”, but good advice nonetheless.
Why can’t a scammer who can get your credit report, also unlock your credit?
There is a randomly generated password you get when you freeze it. DONT LOSE IT!! Its a bitch to recover if you do. One of them gives you a list of like 25 different ones you can use (you just type one of the 25 from the list)
Fascinating. After tens of thousands of years, the financial system discovers passwords.
"I got to 800. Time to lock it in, go on a spending spree, and not pay anything back!"
Wayfair won’t be able to help you. You have to go through Citi if you don’t have an identity service. It’s wild that someone from Wayfair asked for your social.
Just to add, credit limits vary wildly between card issuers. There’s often no rhyme or reason as to why some give such a higher limit. My cards range from like 4k to 12k