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  1. From: Stacey xxxxxx Sent: Friday, November 29, 2019 1:02 AM To: Stacey xxxxx Subject: RE-PLY ASAP 2-Million do.nation made to you. Contact …...
  2. Update: Wife finally received the letter from Fortiva, supposedly mailed on Nov. 15, agreeing the account wasn't opened by her. The wording was interesting. Basically saying that after extensive searching they couldn't find anything that indicated she was the individual who opened the account So they are removing all associated records from the CRAs. The one sad thing is that I was unable to convince my wife to track her FICO scores. It would have been great info to see the impact of a 30, then 60 day late on an otherwise pristine credit report with AAoA over 10 years and oldest reporting account at about 25 years. But she had zero interest in doing it and couldn't understand why anyone (me) would care. As it is I'm going to have to pester her just to check her credit reports for any future ID theft.
  3. If id theft is involved in this debit card, it's probably somehow linked to a checking/savings account and may not show up on credit reports. I would change passwords on all banking accounts as a precaution and review each for unknown transactions and especially small, back and forth, charges that are often used to verify an account.
  4. That's the whole point of a corporation. Owner's losses are what they paid for the shares and that's all. If creditors of failed corporation could also go after the shareholders it would be nuts to buy shares in a company you weren't also in some large degree of control over. And even then.... This is why people form C corps rather than partnerships. Especially if one or more of them have significant assets apart form the business.
  5. Oregon FBI Tech Tuesday: Securing Smart TVs https://www.fbi.gov/contact-us/field-offices/portland/news/press-releases/tech-tuesdaysmart-tvs Beyond the risk that your TV manufacturer and app developers may be listening and watching you, that television can also be a gateway for hackers to come into your home. A bad cyber actor may not be able to access your locked-down computer directly, but it is possible that your unsecured TV can give him or her an easy way in the backdoor through your router. Yup
  6. Nah, pretty much any listed company and lots of established private companies won't need PGs. I worked for two that issued me a CC with under 500 employees. I know for a fact one didn't PG and strongly suspected the other didn't either. They both were established and had audited financials. Extremely rare with new startups. Agree re FDCPA, which only applies to consumer credit.
  7. Yep. That's the case in most business cards. There are cards for established businesses that don't require personal guarantees. Can't avoid the PG's (like a regular consumer card) with a startup unless you have a pile of liquid capital.
  8. IIRC, FICO's score model requires at least 1 open account that has been active within the last 6 months. The relatively large number of people with no FICO score is one of the things competitors use to hammer Fair Isaac. However, Fair Isaac has opened up their newest score models to include rental and utility payments and will use those to create or enhance a score. Not sure which models they do that with.
  9. Well, since your card is the primary, the login account must have been created based on the AU (wife's) card. And it should be showing your wife's name when you login. You are making this difficult. All you need to do is establish an online account for your card much like you would do with any new credit card. The Costco Visa card has your name and the credit card number on the front and your membership number on the back. Just use those and go to the Citi Costco sign up link I posted earlier. They'll ask for more info (SS# DOB) to make sure it's you and if there is a problem they will have a number to call but most likely you will just be able to sign up.
  10. You can pull any company's 10k from the SEC Edgar website. Lots of interesting things to read if you're a bit geeky and like lawyer/SEC filing speak.
  11. My sympathies. bureaucrats! I've only worked for commercial businesses without govt. contracts. My limited exposure to govt. contractors made my skin crawl. It's a very different world. We walked away from a potential subcontract because the only way to justify the opportunity cost would require padding expenses unnecessarily. Not happening.
  12. I think I've been to a Starbucks exactly once in my life.
  13. It's the season to be grateful. I'm thankful for the non-existent crowds at the brick and mortar stores. Been that way for several years but is increasingly noticeable. I hate looking for parking. I'm a glass half full sort of guy.
  14. Might be simpler than it appears. Try this and enter the wife's Costco membership and her credit card info. https://online.citi.com/US/JSO/reg/Setup.do?flow=CostcoSetUp BTW, while most banks issue AU cards with the same number as the major holder, some issue AU cards with differing numbers. Citi carried that over from Amex. The account owner gets to see the spend from each AU as well as their own but the AUs only see their own. The Citi/Costco agreement requires that Citi cancel cards when a Costco membership lapses which was the same with Amex.

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