TheOctodad
Member
I say dissolve Equifax, use their funds to rebuild a fraud protections company over the other two.
Fraud alert is only 90 days, right?
Fraud alert is only 90 days, right?
Yes, can be extended though.
I guess I will freeze since its free in NJ, no harm.
Lucky... it's $10 per agency to freeze AND unfreeze in Washington state...But $5 to unfreeze
Doesn't hurt to freeze with them. It was really easy. Same with Chexsystems.Do we know much about Innovis? I'm debating putting a freeze on that report as well, but I'm curious who even uses them and if they would use them exclusively or as a supplement to the big 3.
Experian online worked for my husband but not for me. Had to call for myself.Experian and Equifax online credit freeze applications are broken.
Only TransUnion worked for me.
Doesn't hurt to freeze with them. It was really easy. Same with Chexsystems.
I signed up for Credit Karma today. They say they will notify me of any inquiries.. think this will be enough? I have a car purchase coming up soon and potentially could be moving and dealing with the credit freeze seems like a hassle.
Canadians affected much by this or what? :S Doesn't help I know the absolute minimumin regards to this topic
But $5 to unfreeze
Did it say it was affected, or may have been affected?
Do they even do a more specific message?
Well, I went back to that Equifax site and it now says I was impacted. Signed up for their TrustedID service. Already did a fraud alert. Going to just go ahead and do a credit freeze at all three bureaus as well while I am at it.
Um the freeze is permanent. The fraud alert is for 90 days.So is there a long term solution to any of this? A 90 day freeze is only going to work for...90 days. We can't change our SSNs.
Just found out I may have been affected.
So is there a long term solution to any of this? A 90 day freeze is only going to work for...90 days. We can't change our SSNs.
Just found out I may have been affected.
Canadians affected much by this or what? :S Doesn't help I know the absolute minimumin regards to this topic
Unless you're getting notifications of someone opening a new credit line in your name, isn't a credit freeze a drastic step? Would I be ok in just setting up a fraud alert? And if so, who would I set it up with - TransUnion? Experian? a third party?
I did the little Equifax quiz that said I might have been affected, but I can't imagine doing their TrustedID service is going to be worth anything since they were the problem in the first place!
...credit monitoring services aren't really built to prevent ID theft. The most you can hope for from a credit monitoring service is that they give you a heads up when ID theft does happen, and then help you through the often labyrinthine process of getting the credit bureaus and/or creditors to remove the fraudulent activity and to fix your credit score.
ID thieves like to intercept offers of new credit and insurance sent via postal mail, so it's a good idea to opt out of pre-approved credit offers. If you decide that you don't want to receive prescreened offers of credit and insurance, you have two choices: You can opt out of receiving them for five years or opt out of receiving them permanently.
To opt out for five years: Call toll-free 1-888-5-OPT-OUT (1-888-567-8688) or visit www.optoutprescreen.com. The phone number and website are operated by the major consumer reporting companies.
To opt out permanently: You can begin the permanent Opt-Out process online at www.optoutprescreen.com. To complete your request, you must return the signed Permanent Opt-Out Election form, which will be provided after you initiate your online request.
I get discover, capital one, and mint monthly credit scores. Mint and capital one also tell me the number of credit lines.
if I notice them change can I "fix" fraudulent transaction?
I'd really like not to have to put a freeze on my account
Yes. If you see something you don't recognize on your alerts, you can dispute it with the agency.I get discover, capital one, and mint monthly credit scores. Mint and capital one also tell me the number of credit lines.
if I notice them change can I "fix" fraudulent transaction?
I'd really like not to have to put a freeze on my account
No, it's not a drastic step. If you wait until something happens to find out if (when) you're affected, have fun spending at least a few months untangling the fraudulent activity and trying to fix your credit score.
https://krebsonsecurity.com/2015/06/how-i-learned-to-stop-worrying-and-embrace-the-security-freeze/
If you notice it you can deal with it but I'm sure it will be way, way more work than just freezing.
There's really almost no down sides to freezing other than cost.
What's the cost to it?
Went here:
https://www.equifaxsecurity2017.com/
"Thank You
Based on the information provided, we believe that your personal information was not impacted by this incident.
Click the button below to continue your enrollment in TrustedID Premier."
Should I enroll in trustedID?
Wait what are Innovis and Chexsystems? Do I need to do more freezing?
A report may describe banking irregularities such as check overdrafts, unsettled balances, depositing fraudulent checks, or suspicious account handling.
Question:
Lets say i freeze all my accounts (Equafax, Exerian and Transunion) and want to guy a car or open up an account. Do i have to unfreeze all 3 or just 1?
Try to find out which agency they'll use to check your credit and just unfreeze that one. If they don't/can't tell, you have to do all three.
The unintended benefit of this whole debacle is that it is facilitating a real, serious conversation about the way credit works in modern society. Hopefully some serious change will come about as a result.Thanks for the info. There has to be a better way. Our credit system is fucked up.
Can't even do it over the phone on my end.Both Transunion and Equifax's sites aren't letting me do a security freeze. Guess I'll have to call when I get home. And screw PA for charging $10/$10.
Wonderful. Well, at least Experian worked.Can't even do it over the phone on my end.