Bad Credit Report
I have a credit card I seldom use but keep in case of an emergency. After about three months, I noticed that my FICA score had gone way down. After checking further, I discovered that someone had charged over $5000 at Sam's Club three months previously. I have never even been to Sam's Club. They had been sending the bill to a bogus address, so I never got an actual bill, which would have alerted me to the charge. When I finally discovered all this, I had a heck of a time trying to straighten out my credit, which had always been impeccable. Started getting nasty phone calls from debt collectors. It took months to get it all straightened out, and my credit number has still not returned to what it was before all this happened, although it has improved. I considered going to a lawyer, and only when I threatened to do that did Sam's Club relent and consider the charge fraudulent. But it still took months to get the credit agency to do the same. What a nightmare! I got a new card number and put an alert on it.
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