FishNHard Posted April 3 Share Posted April 3 With the latest AT&T breech i was just wondering how many of you use a credit monitoring service or you just pull a once a year free credit report , Link to comment Share on other sites More sharing options...
Trykonkid11 Posted April 3 Share Posted April 3 After my wife’s identity theft issue, we signed up for life lock. We had two other attempts, and it was caught by life lock, and they take care of it. Someone attempted to open a credit card, we got the notice by mail, called and they were already in the process of shutting it down. With them we get monthly credit updates as well. Gman and FishNHard 2 Link to comment Share on other sites More sharing options...
Gman Posted April 4 Share Posted April 4 I froze my credit, prevents anyone from opening an account in my name. I'm not a very financial savvy guy but this action was highly recommended by an expert, he said if you can only do one thing that he recommended then do the security freeze. Highlights: Security freezes are now free under federal law Freezes must be placed separately at each nationwide credit bureau Freezes will not impact your credit scores A security freeze, also known as a credit freeze, is one way you can help protect your personal information against fraud or identity theft. While you may know that, and may even have a security freeze on your credit reports, here are some facts you may not know about security freezes. 1. Security freezes are free A federal law that went into effect in September 2018 made placing, temporarily lifting, or permanently removing a security freeze free nationwide. 2. Security freezes and fraud alerts are not the same A fraud alert is a notice placed on your credit reports that alerts credit card companies and others who may extend you credit that you may have been a victim of fraud, including identity theft. With a fraud alert, if anyone – including you! – tries to open a new credit account in your name or make changes to an existing account, the company must take reasonable steps to confirm your identity, such as contacting you by phone at a number you provide, before granting the request. With a security freeze, your credit reports cannot be accessed (with some exceptions) to open new credit unless you temporarily lift or permanently remove the credit freeze. 3. Security freezes must be placed separately at each of the three nationwide credit bureaus You’ll need to place a security freeze on your credit reports at each of the three nationwide credit bureaus – Equifax, Experian and TransUnion. To place a security freeze on your Equifax credit report, create a myEquifax account. You can view the status of your security freeze, and also temporarily lift or permanently remove the freeze through myEquifax. You can also call our automated line at (800) 349-9960 or call Customer Care at (888) 298-0045. Contact Experian and TransUnion for information on placing a security freeze on those credit reports. 4. Security freezes can be temporarily lifted If you’re applying for credit – buying a new vehicle, for instance – and you have a security freeze on your credit report, you can temporarily lift the security freeze to allow for a credit check. At Equifax, you can use your myEquifax account to lift a security freeze for a date range you specify. You can also lift a security freeze by phone by calling our automated line at (800) 349-9960 or calling Customer Care at (888) 298-0045. Afterward, your Equifax credit report will be frozen again. 5. Security freezes do not impact your credit scores Placing a security freeze on your credit reports does not impact your credit scores in any way. It also doesn’t prevent you from getting free copies of your credit reports every 12 months from each of the three nationwide credit bureaus through www.annualcreditreport.com. To get two free Equifax credit reports each year, you can create a myEquifax account. You can also click "Get my free credit score" on your myEquifax dashboard to enroll in Equifax Core Credit™ for a free monthly Equifax credit report and a free monthly VantageScore® 3.0 credit score, based on Equifax data. 6. Security freezes can be placed on behalf of others With appropriate legal documentation, such as a signed Power of Attorney or court order, you can place a security freeze on the credit reports of an incapacitated adult. You can also place a security freeze on the credit reports of your children under the age of 16 with a birth certificate, a court order or a foster care certification. For both, you’ll need to verify your identity, their identity, and your ability to legally act on their behalf. 7. Security freezes will not exclude you from pre-screened offers Placing a security freeze on your credit reports will not prevent your receiving pre-screened credit card or insurance offers, because security freezes generally only prevent hard inquiries in response to an application for credit. If you’d like to opt out of receiving pre-screened offers, please visit www.optoutprescreen.com. 8. Security freezes can’t protect you from other forms of fraud or identity theft While a security freeze can help protect you by preventing certain access to your credit reports if someone attempts to open a new credit account in your name, it can’t help protect you against other forms of fraud, such as a stolen credit card number. It’s still important to check your credit card and bank statements for suspicious activity. It’s also important to regularly check your credit reports to ensure all your information is accurate and complete. JFC1 1 Link to comment Share on other sites More sharing options...
Live to Hunt Posted April 4 Share Posted April 4 I have my credit monitored and frozen. Gman and electric10162 1 1 🏳️🌈🏳️🌈🏳️🌈🏳️🌈🏳️🌈🏳️🌈🏳️🌈🏳️🌈🏳️🌈 Link to comment Share on other sites More sharing options...
hammer4reel Posted April 4 Share Posted April 4 3 hours ago, Trykonkid11 said: After my wife’s identity theft issue, we signed up for life lock. We had two other attempts, and it was caught by life lock, and they take care of it. Someone attempted to open a credit card, we got the notice by mail, called and they were already in the process of shutting it down. With them we get monthly credit updates as well. Our locals investment group had a breech . They got us lifelock for a year . 6 months in I withdrew ALOT of money from 3 different accounts over a 2 day period to buy my Contender . They never even notified me . And I did withdraws in 2 different states on the same day . after that I get no warm fuzzy feeling from their services Gman 1 Captain Dan Bias REELMUSIC SPORTFISHING 50# Striper live release club. http://reelmusicsportfishing.blogspot.com/ Link to comment Share on other sites More sharing options...
electric10162 Posted April 4 Share Posted April 4 I've had a paid Experian account for about 15 years now. I can view, change, or lock anytime, from anywhere. I was the victim of identity fraud back in September of last year. The individual was caught and arrested. We are still in court because I'm pursuing charges. Public defenders hate it. JFC1 1 Link to comment Share on other sites More sharing options...
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