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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.
(#366462@0)
2002-2-12 -04:00
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Back To Topic: 请问饺子:前两天一个信用卡公司打电话来,说有人冒用我LD的名字申请MasterCard,让我们自己和Transunion & Equisax 联系申请保护。

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