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          Buyer Hit by Identity Theft and Fraudulent Credit Card Charges

          Chuck Marunde by Chuck Marunde
          October 4, 2011
          Reading Time: 2 mins read
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          We all hear about identity theft in the news and about fraudulent credit card charges, but don’t we really expect that it will happen “to someone else” and not to us.  Alas, a Sequim home buyer found out that it can happen to them.  In 37 years in real estate, I’ve never had a buyer get hit by fraudulent charges on their credit card, but it has happened, and the timing is most unfortunate.  The fraudulent credit card charges showed up during the loan application process.

          Identity Theft

          Identity Theft

          Identity theft raises two issues.  The first is the loss of your money and how to prevent that.  There is a lot of help on the Internet on how to protect your identity and your accounts.  I would recommend a service that helps to track potential uses of your identity 24/7 in hundreds of places.  That service is called LifeLock.  I receive no referral or affiliate fee for mentioning the company, but they are very good at protecting you from identity theft. 

          Identity Theft and Your Home Loan

          When you are buying a home in Sequim, this could kill your loan, but identity theft that steals money from your bank account does not necessarily mean your home loan will not be approved.  If the theft changed the formula on your income to debt ratio, your loan could be effected.  But if the amount of money stolen is small and the bank covers it as they should, your loan should proceed according to plan.

          Identity Theft Resources

          Learn more about identity theft at:

          http://www.lifelock.com/identity-theft/types/

          Last Updated on October 4, 2011 by Chuck Marunde

          Tags: Identity Theft
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          Chuck Marunde

          Chuck Marunde

          Chuck grew up in remote Alaska, graduated from the University of Alaska with a degree in Economics and Teacher Certification, and after teaching high school for two years, went to law school at Gonzaga University in Spokane, Washington. He served four years as a Captain and JAG in the USAF at Nellis AFB in Las Vegas. After practicing real estate law for 20 years in Washington, Chuck founded iRealty Virtual Brokers covering Sequim and the beautiful Olympic Peninsula. He is the author of 2,200 real estate articles and a dozen real estate books, and he produced over 100 real estate videos. Chuck combined his love for real estate and technology to create a massive Internet presence, and his articles and videos and books have been viewed by millions. Chuck is a well recognized real estate expert and his counsel is sought by other brokers and practicing attorneys around the country. Buyers from New York to Hawaii and from Florida to Alaska seek him out to retain him as their buyer's agent, and home owners around the State of Washington seek him out because of his new Flat Fee Listing Service. 

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          Comments 1

          1. Patti says:
            11 years ago

            Hi!, I love your writing so much! My husband and I appreciate your articles about Sequim real estate so much. We’re not ready to buy yet, but we’re hoping Romney and Ryan win, because we’re concerned about the economy and our retirement plans.

            Reply

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          • Home
          • Search MLS
            • Sequim MLS
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            • Port Angeles MLS
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            • All Islands MLS
            • How to Search the Sequim MLS
          • Videos
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            • Flee Fee Listing Video
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