<div>Check out a publication from the FTC called "Take Charge Fighting Back Against Identity Theft. Page 19 states:</div>
<div> </div>
<div><b><font face="NewBaskervilleStd-Bold" color="#c51230">
<p align="left">Credit Cards</p></font></b><font face="NewBaskervilleStd-Roman">
<p align="left">The Fair Credit Billing Act establishes procedures for resolving billing errors</p>
<p align="left">on your credit card accounts, including fraudulent charges on your accounts.</p>
<p align="left">The law also limits your liability for unauthorized credit card charges to $50</p>
<p align="left">per card. To take advantage of the law's consumer protections, you </p></font><b><font face="NewBaskervilleStd-Bold">must</font></b><font face="NewBaskervilleStd-Roman">:</font><font face="NewBaskervilleStd-Roman" size="2">
<p align="left">• </p></font><font face="NewBaskervilleStd-Roman">write to the creditor at the address given for "billing inquiries," NOT the
<p align="left">address for sending your payments. Include your name, address, account</p>
<p align="left">number, and a description of the billing error, including the amount and</p>
<p align="left">date of the error. A sample letter is on page 20.</p></font><font face="NewBaskervilleStd-Roman" size="2">
<p align="left">• </p></font><font face="NewBaskervilleStd-Roman"><strong>send your letter so that it reaches the creditor within 60 days after the first</strong>
<p align="left"><strong>bill containing the error was mailed to you. If an identity thief changed the</strong></p>
<p align="left"><strong>address on your account and you didn't receive the bill, your dispute letter</strong></p>
<p align="left"><strong>still must reach the creditor within 60 days of when the creditor would have</strong></p>
<p align="left"><strong>mailed the bill.</strong> This is one reason it's essential to keep track of your billing</p>
<p align="left">statements, and follow up quickly if your bills don't arrive on time.</p>
<p align="left"> </p>
<p align="left">If someone opens a new account in you name, changes your address so you never get the bill, after 60 days you owe the bill and no matter what kind of insurance you get the underwriters will not pay it because it is a valid debt.
</p>
<p align="left"><a href="http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt04.pdf">http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt04.pdf</a></p>
<p align="left"> </p>
<p align="left">Rodney Wise</p>
<p align="left"><a href="http://pplrwise.blogspot.com">http://pplrwise.blogspot.com</a></p></font><br><br> </div>
<div><span class="gmail_quote">On 4/16/07, <b class="gmail_sendername">DAIL, ANDY</b> <<a href="mailto:ADAIL@sunocoinc.com">ADAIL@sunocoinc.com</a>> wrote:</span>
<blockquote class="gmail_quote" style="PADDING-LEFT: 1ex; MARGIN: 0px 0px 0px 0.8ex; BORDER-LEFT: #ccc 1px solid"><br>Not really a breach story, but something all of us should check:<br><br><br><a href="http://www.paulhastings.com/Backup/Client_Alerts/42992.PDF?wt.mc_ID=4299">
http://www.paulhastings.com/Backup/Client_Alerts/42992.PDF?wt.mc_ID=4299</a><br>2.pdf<br><br>Andy Dail<br>(918) 586-6160<br><br><br>This message and any files transmitted with it is intended solely for the designated recipient and may contain privileged, proprietary or otherwise private information. Unauthorized use, copying or distribution of this e-mail, in whole or in part, is strictly prohibited. If you have received it in error, please notify the sender immediately and delete the original and any attachments.
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<br>Tracking more than 207 million compromised records in 620 incidents over 7 years.<br></blockquote></div><br>