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Identity Theft & Move Offer

October 28th, 2015 at 08:11 am

My information was stolen from the government along with my husband's and 21.5 MILLION other people this summer. Ironically just this week the Army posted reminders about how to avoid identity theft. As if we only need to do these things to avoid theft of identity. What about our own government keeping the information provided to them safe?

We have been given three years of credit monitoring including our daughter under 18. Not sure about our oldest daughter seems she should get it too. She may be notified separately. There is identity restoration service and $1 million worth of insurance attached to this as well in case our identities are stolen causing financial harm.

Ick. Sometimes I really do dislike the government!

Oh, and the insurance company for the moving company is offering us $1400 of the $2600 we claimed for the damage they did to our things. One of the items that is damaged the most is being denied! We can appeal. We are going to discuss tonight to determine if we will or not.

Everything that was moved was put on an inventory. The driver logs it along with current damage. He seems to have logged damage on an entertainment center that would match the area we are claiming, but I think his notes were for other damage in that same area...not the big damage we now have and didn't have before. It is really hard to prove this unless we had up close pics before, which we don't. Why would we take a close up of the corner of furniture when it wasn't damaged? It appears someone attempted to repair the area with wax, marker and spray stain. It looks awful. And I feel so mad when I think about it.

I'm working on calculating our net paychecks for next year. I won't really have all information until January, but I have the taxable portion so I should be able to roughly calculate taxes owed for 2016. I need to know this to figure the withholding necessary. I was way off this year since I hadn't figured out the tuition tax credits. The main reason I want to figure net pay is so I can determine if we can actually afford this Europe trip my daughter wants to take. It is a trip that will cost us close to $5K. It is definitely something to plan for and figure out.

6 Responses to “Identity Theft & Move Offer”

  1. mich Says:

    CCF - thank you for your informative post. Can you tell me how you added your under-18 year old daughter to your CC (and which carrier). I only have 1 card - CHASE - and they would not allow me to add them as authorized users on my card... I just want them to have an "in case of emergency card" since they drive now.

  2. creditcardfree Says:

    mich, is not an authorized user on our credit card. Our daughter simply has her own debit card. I made her save $1000 before she went to college. I can easily transfer money to her account, but not out, if she needs cash.

    Sorry I can't help.

  3. snafu Says:

    If you happen to have any photos of the entertainment unit as background in a shot of people or other things in the room, it can easily be photo enhanced possibly showing the area now damaged. The case can be made that had the unit shown evidence of damage before being loaded to moving truck, it would have been logged and noted at that point.

    We had a break-in years and years ago. When insurance tried to deny a great many items I was so angry at the stupid things the claims agent said, I used that energy to prove every item was legit. It took a lot of State Farm staff's time to review the avalanche of information I was able to provide. I encourage everyone to take detailed photos of every room for a digital album copied on icloud over Christmas when you're taking photos anyways. I take photos of the bill, attached to any expensive item because it's so easy.

  4. creditcardfree Says:

    snafu, we sent the damaged photos with our original claim. Insurance took their photos earlier this month. The driver did write down that there was damage, but yet that damage indicated on the side doesn't indicate back, front, top or bottom. Thus a little subjective. I'm sure we have photos of the entertainment center, just not sure at the right angles...will have to look. I think we will accept claim of everything else, which feels reasonable. For some items they offered high amounts others a little lower than our offer. We actually inflated our numbers on purpose. Smile

    It is the principle of denying the damage on the entertainment center because the driver seems to have said it was in that condition at origin. It was NOT. And I was not a happy camper with that driver on the day of loading...so yes, I'm mad enough to make an issue out of it! If only to make my point.

    I do have receipt, but we already told them the original cost. I'm not sure if it is necessary.

  5. VS_ozgirl Says:

    Creditcardfree I'm very sorry to hear your stuff got broken & hope there's a resolution in store!

  6. FrugalTexan75 Says:

    That is so frustrating! I hope it gets resolved well.

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