RDM2

If your debit card was used as a credit card, then VISA would/could call you regarding a pending transaction. Call VISA direct at the Global #(800) 847-2911 and ask for the fraud department or have customer assistant check your card for current transactions. Ask me how I know......I have been through this before and it was an international fraud transaction.

You could try this ...... 800-283-2210. This is the reference number on my cr for CIT Bank/DFS.

Put my vote under "other" for my Cabelas/Wamu card. Hope Chase keeps or converts it.

Wow.....weird things going on with the web site. Just logged in again and the BT offers have reappeared. Makes you wonder if the site crashed or they had a major failure. PFICO link now works also.

The BT offers on my account went poof. Had a decent offer online as of yesterday.....now gone.

Website down again! This is annoying. Until Chase took over this never seemed to be a problem. Unless PFICO is being updated?? Doubt it.

My wife applied for the WAMU Platinum Visa late this afternoon and was approved for a $5,000 credit line. She did this for the 0% Fixed APR for BTs through 01/2010. Had a pre-approved mailer. Also wanted Pfico. We shall see what happens. My guess is she will not get the card.

My Cabela's Visa is through WAMU. Wonder if I should use my points now or wait and see? I can't imagine Chase closing all of the WAMU issued Cabela's cards. The only way to survive in this the current climate is to have backups for any potential scenario.

No bidders? Put aside the mortgage portfolio and I am sure the bidding would begin. http://www.ft.com/cms/s/0/8324772c-85af-11...?nclick_check=1

Crap!!! Had 1 inquiry reappear this morning on TC. Was bumped in mid June. Also checked CK and my score went down 1 point. Could they be working back-wards from most recent bumped to latest? I could see a fluke with TC but the point drop on CK means it did actually reappear.

As posted in the LA Times: Link (if allowed):http://www.latimes.com/business/la-fi-credit30-2008may30,0,1312903.story Consumers will soon know the (credit) score In the biggest class-action suit settlement ever, TransUnion promises access to data kept under wraps. By Kathy M. Kristof, Los Angeles Times Staff Writer May 30, 2008 More than 160 million Americans would be able to learn their all-important credit scores at no charge -- and with no strings attached -- under a settlement by credit reporting giant TransUnion Corp. of a long-running class-action lawsuit. The agreement would entitle consumers to at least six months of a TransUnion monitoring service, giving them access to the latest information in their credit reports as well as their current scores at any time. The service also would notify consumers by e-mail of significant changes to their files, including reports of late payments or accounts opened in their names. The latter information could help thwart attempted identity theft. TransUnion normally sells the service for $59.75 or more, giving the settlement a value that could top $10 billion. Extracting free services from an industry that many Americans love to hate could give them a measure of satisfaction. On a more practical level, the information could be especially useful for people who are borrowing more because of difficulties caused by the slowing economy or who simply want to find loans or cards with better terms. Ken McEldowney, executive director of Consumer Action, a national advocacy group based in San Francisco, called the settlement mind-boggling. "It's everything we tell consumers that they need to find out if they have problems with their credit," he said. "They are getting information on how to improve it and information about whether they are creditworthy. This is astonishing." A credit report supplied by TransUnion or its rivals, Equifax Inc. and Experian, contains information about your current and recent home and auto loans, credit cards and other credit accounts, including how much is borrowed, your credit limits and whether payments are made on time. A credit score, which is calculated using a formula based on that data, is a three-digit number that can determine what interest rate you pay on a loan or credit card, or whether you even are approved for one. Federal law entitles everyone to a free copy of his or her credit report once a year from each of the three major credit-reporting companies, but it doesn't provide access to credit scores. The case being settled stems from a business operated by TransUnion that sliced and diced data from the Chicago-based company's massive credit files to generate customized lists of consumers. Retailers, lenders and other businesses would buy the lists to use in their marketing. Federal law bars the sale of a person's private credit information except under certain circumstances, such as when he or she has applied for a loan. Although companies can gather and sell public consumer information, such as mortgage lien information that's filed with counties, plaintiffs in dozens of suits argued that TransUnion had overstepped those bounds, violating privacy protections. The plaintiffs alleged that anyone who had a credit file maintained by it had suffered damages, mainly by being inundated with junk mail from marketers who bought data about them. The suits were combined into one class action in federal court in Chicago. TransUnion and the plaintiffs in that case agreed to a preliminary settlement Wednesday. It requires final court approval, which is expected in September. Based on the number of people in the class, the settlement would be the largest in U.S. history, said Peter A. Chapman, editor of the Class Action Reporter. "This was a long, hard fight and an excellent result," said John Zarian, a Boise, Idaho, attorney whose clients -- some of the original plaintiffs in the case -- filed suit 10 years ago. TransUnion, which discontinued the list-marketing business in 2001, has said it didn't violate the law. "TransUnion is committed to providing consumers with tools and services that empower them to manage their own credit health," said Colleen Ryan, a spokeswoman for TransUnion. "The services offered through this settlement complement our many consumer-empowering initiatives." Under the settlement, anyone who had any type of loan account between January 1987 and Wednesday would be able to select one of two options: * A basic service would provide free credit monitoring for six months. It normally retails for $59.75, according to the settlement. Those who select this service can also apply for a cash payment. * An enhanced service would provide nine months of free monitoring, plus use of a "mortgage simulator" that lets consumers see whether improving their credit score would affect their mortgage rates and how much they could save if it did. This option also includes access to one's insurance score, which is used by some insurers to set rates (though California bars their use). The settlement values this option at $115.50. Under the settlement, a credit card number would not be required to sign up for either service. After the free service ends, TransUnion could not charge for an extension unless it was requested by the consumer. The agreement also creates a $75-million fund that would be used to notify class members about their rights, to pay attorneys and pay any damages agreed to for people who opt out of the class and sue TransUnion on their own. If there is money left in the fund after two years, it would be paid to people who applied for the cash. Consumers who received the enhanced service don't have the right to apply for the money. Claims can be filed starting June 16 by going to the settlement website at www.listclassaction.com or calling (866) 416-3470. kathy.kristof@latimes.com O.K., so the question is.......this sounds like a free 6 months of Truecredit. Correct? This would then be a Fako score. How is this the all-important score? At least the free monitoring will be nice.

Need member status in order to contribute to the credit pulls database. Thanks.

I posted this in a thread about CJ last week. I opened a Crown Jewelers account in Aug '07 and used my VISA to make the down payment. This is a card I do not use very much, in fact looking through my records, only used it 8 times in the last year. My same VISA Card had a bunch of fraudulent activity on 4/13/08. In a matter of 2 hours my card was used for $2,000+ charges to a place called "Sit-Up Auctions" out of Great Britain (UK). Thankfully, VISA caught this after 2 hours and froze my card. VISA called me on that Sunday afternoon at home to verify the transactions and the ball started rolling. The part that really had me guessing was the person/people that used my card # had the security digits off the back of the card. This is a bank issued VISA with a $5,000 limit, so they could have gotten more. I did give my bank all of CJs info and asked that they be added as possible suspect for the breach/fraud. Will see what happens.

I usually don't post but have been an avid reader of this board for the past 10 months. This topic has really pegged my interest. I opened a Crown Jewelers account in Aug '07 and used my VISA to make the down payment. This is a card I do not use very much, in fact looking through my records, only used it 8 times in the last year. My same VISA Card had a bunch of fraudulent activity on 4/13/08. In a matter of 2 hours my card was used for $2,000+ charges to a place called "Sit-Up Auctions" out of Great Britain (UK). Thankfully, VISA caught this after 2 hours and froze my card. VISA called me on that Sunday afternoon at home to verify the transactions and the ball started rolling. The part that really had me guessing was the person/people that used my card # had the security digits off the back off the card. So my question is, anyone else have a breach on the credit card they used as downpayment for CJ? I will be relaying this possible breach of personal information (CJ) to both my bank and VISA. Perhaps I can get CJ added to the affidavit as possible suspect for breach of personal information? I understand this is speculation on my part that CJ is involved in my credit card fraud, but as of right now, it is my strongest lead as to how this happened. I do monitor my reports a couple times a week so a I am watching very close if anything else happens.

First post....... My Dell Account was updated last night for EX but has yet to update for EQ & TU. FYI...This CRA update is for a payment I made on 7/31 with a due date of 8/10. Dell is not very quick to report. Hope this helps.