Ive been hit with ID fraud as well, which in a strange way can be as disturbing as attempts on one's life(of course being sober for the former could help make it less tolerable).
I have the myfico "ultimate 3b"(not related to it's roman numeral cousin the "ultimate IIB"), and dont seem to remember it doing much when an alert Synchrony rep thwarted the would be villain, and then contacted me and resolved issues.
Myfico has on multiple given me the alerts that it has detected activty, which I found to be almost COMPLETELY useless. They wouldnt say where they detected it, nor what to do about it, after I went out of my way to contact them about it. It's like those internet doomsdayers(think Alex Jones) who sometimes hit the nail with some disturbing truth, but purposefully don't give your any solution for it. The whole thing had a disingenuous feel to me.
It's not like I'm bitter being that I didnt factor the value of this service into the cost of my purchase, but if I had? Yes, I could see folks getting bitter over MyFico's alert thing.
TC, you said MyFico helped you. Would you be willing to tell us how? They barely even acknowledged my question. I'm not necessarily knocking them, as I am a score addict and a long time paying member, I just haven't seen value from that particular service.
In my case it seems like maybe my stuff is part of some database. I do know that an owner of a message board was able to find out my name and phone number somehow(he does this on occasion to various users, but he wasnt the Synchrony bandit). If my stuff is our there, Im kind of surprised nothing has been attempted in over a year or so, being Ive had multiple alerts of my info being on deep/dark websites, supposedly.
That brings me to a final ID theft question: How did whatever recent credit card(that I was new with) CSR know that I had my phone # a long time after they hung up, did whatever, and then called me back on it? Is that a LexisNexis thing? I want to start understanding things(I already avoid phishing) better so that I can take care of matters rather than relying on these shoddy services.
