St Marys Hospital
- Thread starter desertrat
- Start date
kwillia
n/a
So what the heck happens after our "one year paid" runs out? Ya'll realize we are on the hook to pay for this service out of our pocket for the rest of our lives now, don'tchu...nomoney said:
If there really is criminal intent to use that info to open accounts, wouldn't it behoove them to wait a year and then "whamo" they can go to town at our expense. 
nomoney
....
kwillia said:So what the heck happens after our "one year paid" runs out? Ya'll realize we are on the hook to pay for this service out of our pocket for the rest of our lives now, don'tchu...
yep. It opens up a whole new debate of how long/what exactly companies should be held liable for when they don't protect things such as these. We're already under one credit alert program for something that Chase screwed up. (for just this year).
gardengirl
Member
I've had to put a fraud alert on my credit before and it's something you don't need to pay for. All you have to do is call the three major credit bureaus (Experian, Equifax, and TransUnion) and tell them you want this alert placed on your accounts. I think each has an 800 number that's pretty easy to find online. It's a pretty easy fix after this monitoring service runs out if you want to keep it going.
Edited to add that I don't think the hospital is legally responsible for providing any sort of service...even for one year. (Think of all the places that lose info and don't give you anything as compensation.)
kwillia
n/a
This goes back to the fact that we need to be given the right to protect our credit by being able to put permanent "flags" on our our SSN. This would force verification of any request to open a line of credit. The argument is that it would be costly for companies and timely for consumers who really do want to open a line of credit. I say it's the only chance there is at curtailing identity theft.nomoney said:
gardengirl
Member
I heard from one of my neighbors that a few people are thinking of starting a class action lawsuit against the hospital. I can understand why they're angry...I am too...but wonder if it's the best way to go. We have one hospital for the county. Just thinking that if there is a lawsuit it's gonna cause a bunch more problems for the hospital. Maybe not the best idea...
gardengirl
Member
Actually, it is free. You can always call those credit bureaus and have the alert put on your credit report for no charge. From what I heard when I talked with a PR person at the hospital, the service they offer is free to us and I think it offers monitoring on top of the fraud alert.
chernmax
NOT Politically Correct!!
You should take the following steps to reduce the risk of new accounts being opened in your name.
Place a 90-day fraud alert on your credit reports by calling one of the three credit bureaus:
TransUnion – (800) 680-7289
Equifax – (888) 766-0008
Experian – (888) 397-3742
Monitor your credit reports very closely. After placing a fraud alert you will receive a letter explaining how to order your credit report. Placing a fraud alert allows you to order a free credit report.
This is in addition to the free report you are entitled to order annually. Later on you can also order your free annual credit reports by calling (877) 322-8228 or by visiting www.annualcreditreport.com.
If you have evidence of actual or attempted identity theft, file a police report. Once you have the report you can request an extension of the fraud alert to 7 years. You will need to mail copies of the police report to the credit bureaus to qualify.
If you learn that fraudulent credit accounts have been opened, the credit issuers to close the accounts.
Consider freezing your credit (not available in all states). For California, instructions are available on California Office of Privacy Protection web site: www.privacyprotection.ca.gov/sheets/cis10securityfreeze.pdf. Visit this
Consumers Union web page to learn which states have security freeze laws, www.consumersunion.org/campaigns/Breach_laws_May05.pdf
Report the incident to the Federal Trade Commission's identity theft clearinghouse at (877) 438-4338, or online at http://www.consumer.gov/idtheft
Please read our identity theft victims' guide Fact Sheet 17(a) to make sure you have taken all the steps that are appropriate for your situation, http://www.privacyrights.org/fs/fs17a.htm
Place a 90-day fraud alert on your credit reports by calling one of the three credit bureaus:
TransUnion – (800) 680-7289
Equifax – (888) 766-0008
Experian – (888) 397-3742
Monitor your credit reports very closely. After placing a fraud alert you will receive a letter explaining how to order your credit report. Placing a fraud alert allows you to order a free credit report.
This is in addition to the free report you are entitled to order annually. Later on you can also order your free annual credit reports by calling (877) 322-8228 or by visiting www.annualcreditreport.com.
If you have evidence of actual or attempted identity theft, file a police report. Once you have the report you can request an extension of the fraud alert to 7 years. You will need to mail copies of the police report to the credit bureaus to qualify.
If you learn that fraudulent credit accounts have been opened, the credit issuers to close the accounts.
Consider freezing your credit (not available in all states). For California, instructions are available on California Office of Privacy Protection web site: www.privacyprotection.ca.gov/sheets/cis10securityfreeze.pdf. Visit this
Consumers Union web page to learn which states have security freeze laws, www.consumersunion.org/campaigns/Breach_laws_May05.pdf
Report the incident to the Federal Trade Commission's identity theft clearinghouse at (877) 438-4338, or online at http://www.consumer.gov/idtheft
Please read our identity theft victims' guide Fact Sheet 17(a) to make sure you have taken all the steps that are appropriate for your situation, http://www.privacyrights.org/fs/fs17a.htm
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chernmax
NOT Politically Correct!!
This may help also...
Social Security Numbers:
Frequently Asked Questions
http://www.privacyrights.org/fs/fs10a-SSNFAQ.htm#6
Social Security Numbers:
Frequently Asked Questions
http://www.privacyrights.org/fs/fs10a-SSNFAQ.htm#6
kwillia
n/a
www.nationalidrecovery.com is the website I was referred to by the agency hired by the hospital. It has the FAQ link I was trying to post.