I think your understanding is right. If the credit report organization can confirm the information with you before they give out information, that will be great. If you find fraud, you should report ASAP!

dropoutinmiami (东北的饺子)
It can be a few days after the unauthorized charge, it can be a month when people receive their statement.

If you report as soon as you are aware of the fraud, your maximum liability is $50 and most of time it will be waived for good will, provided you didn't disclose your PIN and other sensitive information.

Everyone should be more careful. Even it doesn't cause financial loss, it can be a hassle.
2002-2-12 -04:00
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