Garden Club - October 2018

[Remedios]

OK, so long story short, I was told today that my EQ file has a fraud flag 

Umm, I never placed one. Asked them to remove it. Umm, we cannot, system is updating, call us in 30 min. 

You mean, you're spraying WD40 on your abacus beads ...ok. I'll call in 30 min but most likely they will tell me their sun dial is broken and they have no ways of telling time 

Seriously, how can I have a fraud flag without ever placing one, and more importantly, can EQ do one ficoing thing right 

[Brian_Earl_Spilner]

---

@Remedios wrote:

OK, so long story short, I was told today that my EQ file has a fraud flag 

Umm, I never placed one. Asked them to remove it. Umm, we cannot, system is updating, call us in 30 min. 

You mean, you're spraying WD40 on your abacus beads ...ok. I'll call in 30 min but most likely they will tell me their sun dial is broken and they have no ways of telling time 

Seriously, how can I have a fraud flag without ever placing one, and more importantly, can EQ do one ficoing thing right 

---

That sucks. Hope that gets straightened out. Do you want me to make a thread about it?

[Remedios]

---

@Brian_Earl_Spilner wrote:

---

@Remedios wrote:

OK, so long story short, I was told today that my EQ file has a fraud flag 

Umm, I never placed one. Asked them to remove it. Umm, we cannot, system is updating, call us in 30 min. 

You mean, you're spraying WD40 on your abacus beads ...ok. I'll call in 30 min but most likely they will tell me their sun dial is broken and they have no ways of telling time 

Seriously, how can I have a fraud flag without ever placing one, and more importantly, can EQ do one ficoing thing right 

---

That sucks. Hope that gets straightened out. Do you want me to make a thread about it?

---

You must have been a mean girl in highschool 

[simplynoir]

---

@Remedios wrote:

OK, so long story short, I was told today that my EQ file has a fraud flag 

Umm, I never placed one. Asked them to remove it. Umm, we cannot, system is updating, call us in 30 min. 

You mean, you're spraying WD40 on your abacus beads ...ok. I'll call in 30 min but most likely they will tell me their sun dial is broken and they have no ways of telling time 

Seriously, how can I have a fraud flag without ever placing one, and more importantly, can EQ do one ficoing thing right 

---

Read up on this. Basically, if credit bureaus suspect fraud they can place an alert on your file without your consent which is all types of FICO-ery my brain can't comprehend this morning.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Fraud-alert-that-I-didn-t-request/td-p/506759...

[Remedios]

---

@simplynoir wrote:

---

@Remedios wrote:

OK, so long story short, I was told today that my EQ file has a fraud flag 

Umm, I never placed one. Asked them to remove it. Umm, we cannot, system is updating, call us in 30 min. 

You mean, you're spraying WD40 on your abacus beads ...ok. I'll call in 30 min but most likely they will tell me their sun dial is broken and they have no ways of telling time 

Seriously, how can I have a fraud flag without ever placing one, and more importantly, can EQ do one ficoing thing right 

---

Read up on this. Basically, if credit bureaus suspect fraud they can place an alert on your file without your consent which is all types of FICO-ery my brain can't comprehend this morning.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Fraud-alert-that-I-didn-t-request/td-p/506759...

---

Thank you! 

[simplynoir]

---

@Remedios wrote:

---

@simplynoir wrote:

---

@Remedios wrote:

OK, so long story short, I was told today that my EQ file has a fraud flag 

Umm, I never placed one. Asked them to remove it. Umm, we cannot, system is updating, call us in 30 min. 

You mean, you're spraying WD40 on your abacus beads ...ok. I'll call in 30 min but most likely they will tell me their sun dial is broken and they have no ways of telling time 

Seriously, how can I have a fraud flag without ever placing one, and more importantly, can EQ do one ficoing thing right 

---

Read up on this. Basically, if credit bureaus suspect fraud they can place an alert on your file without your consent which is all types of FICO-ery my brain can't comprehend this morning.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Fraud-alert-that-I-didn-t-request/td-p/506759...

---

Thank you! 

---

No problem! There are other threads but that one is the most relevant so you don't waste more time than you need to on something really stupid IMO.

[Anonymous]

Still in the Garden since May. Outside of the usual AmEx and Citi offers I was finally snail mailed a BoA. No specific APR. I let it pass. Next HH is off in January. I'm down to seven collectively on the three CRA. I will not apply again for at least a year.

[kilroy8]

AFAIK, a fraud alert only means for the bureau to contact you to verify any access to your file. Harmless little thing, really.

And don't app or @K-in-B will throw away your Kraft Singles.

[expatCanuck]

---

@Anonymous wrote:

---

@Anonymous wrote:

Mornin' peeps, happy October.

My wealthy sister visited me from CT this weekend.  We had fun.  We went out to eat so I caught a glimpse of the card she was carrying... a BoA Travel Rewards, of all things.  I'm sure it's got a limit hundreds of times mine, if it has one at all.

Not much else happening here, just proceeding with life even if it's falling apart.  Continuing my garden goal of saving, up to 12% now.  I messaged Chase and had them reverse my CLI and not give me any more in the future, so all my limits will permanently stay put now.  CLIs are short lived in my world, and usually result in an equal or larger CLD shortly afterward.

---

You really have a mature and conservative (in a good way) view on credit. Mad respect. I am trying to adopt this mentality. So is DS.

---

DS has refused to get a card.  That will change now that he's graduating (tomorrow) and employed (2 weeks ago).  We'll have 'the discussion' after tomorrow's ceremony.

[simplynoir]

Me basically earlier this morning. And now time for lunch!