Erin Love used to work in the banking industry, so she knows all about identity theft and credit card fraud. “It’s out there and it’s going to happen.” She takes extra precautions to make sure she and her husband are protected, but she also has the intuition to know when something is off.
Love first noticed something was wrong when she opened up her mailbox and received a letter from a credit card company that said her husband opened a new credit card and was charged an annual fee. Well it turns out he hadn’t opened a credit card.
"I was obviously alarmed that someone had his information.” Her first thought was, “What did I do wrong? Did I not shred something?” Love called the company and cancelled the card, but that wasn’t the end.
“Then we got a call from Bill Me Later stating that an account had been opened and they wanted to verify that they were really our charges." That’s when she knew someone had her husband’s information and was using it.
It turns out it wasn’t something she did, but the company her husband works for, Burlington Northern Santa Fe had a security breach. BNSF said they are conducting an aggressive investigation. They said it only affected a small number of their 41,000 employees.
As for Love she isn’t mad about what happened, but just wants to warn others to be on the lookout. “Be as diligent as possible.”
The best way to be proactive is to go to annualcreditreport.com. It’s free once a year. You can see what credit cards are out in your name and you can make sure there isn’t any you don’t know about.