OT: Identity Theft

[drunkle]

http://www.lifelock.com/lifelock-for-people

read about their services. they’re mostly free services you can do yourself. the “walletlock” thing and the million dollar guarantee are what your paying $10/month for. it’s cheaper than the bank’s credit alert service, but not necessarily worth it. i’ll do it for $10/year.

edit: sans guarantee and walletlock deal…

edit 2: nope, wait… i forgot, in order to get a fraud alert (free) you need a police report. otherwise, it does cost…

nevermind 10/year.

[Coronita]

Not to beat this topic to death. But I currently use the  credit freeze capabilities provided by all three credit bureaus. I think  it pretty much works very well.

Basically what happens is that you send a  letter to the three credit bureaus telling them you want a credit freeze.  You pay them $10, and they will send back a pin number.

 

Your  credit file will be locked. To unlock your credit, you go online and answer a few questions about your credit and enter your pin. Then you specify how long you want the credit file to be open OR you specify the specific agency that should have access to your credit file, and the credit file will  remain open for the specified duration.

 

It's not really that difficult. You just need to plan ahead when  you think you need to open your credit file. For example, when you apply for a job, they often do a credit file pull. Just ask the  employer which credit agency they use, and usually you can get the credit file unlocked in  24-48 hours.

 I don't see what additional value these firms offer beyond a $1milion guarantee.

 

[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]

—– Sour grapes for everyone!

[Coronita]

Not to beat this topic to death. But I currently use the  credit freeze capabilities provided by all three credit bureaus. I think  it pretty much works very well.

Basically what happens is that you send a  letter to the three credit bureaus telling them you want a credit freeze.  You pay them $10, and they will send back a pin number.

 

Your  credit file will be locked. To unlock your credit, you go online and answer a few questions about your credit and enter your pin. Then you specify how long you want the credit file to be open OR you specify the specific agency that should have access to your credit file, and the credit file will  remain open for the specified duration.

 

It's not really that difficult. You just need to plan ahead when  you think you need to open your credit file. For example, when you apply for a job, they often do a credit file pull. Just ask the  employer which credit agency they use, and usually you can get the credit file unlocked in  24-48 hours.

 I don't see what additional value these firms offer beyond a $1milion guarantee.

 

[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]

—– Sour grapes for everyone!

[Coronita]

Not to beat this topic to death. But I currently use the  credit freeze capabilities provided by all three credit bureaus. I think  it pretty much works very well.

Basically what happens is that you send a  letter to the three credit bureaus telling them you want a credit freeze.  You pay them $10, and they will send back a pin number.

 

Your  credit file will be locked. To unlock your credit, you go online and answer a few questions about your credit and enter your pin. Then you specify how long you want the credit file to be open OR you specify the specific agency that should have access to your credit file, and the credit file will  remain open for the specified duration.

 

It's not really that difficult. You just need to plan ahead when  you think you need to open your credit file. For example, when you apply for a job, they often do a credit file pull. Just ask the  employer which credit agency they use, and usually you can get the credit file unlocked in  24-48 hours.

 I don't see what additional value these firms offer beyond a $1milion guarantee.

 

[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]

—– Sour grapes for everyone!

[Coronita]

Not to beat this topic to death. But I currently use the  credit freeze capabilities provided by all three credit bureaus. I think  it pretty much works very well.

Basically what happens is that you send a  letter to the three credit bureaus telling them you want a credit freeze.  You pay them $10, and they will send back a pin number.

 

Your  credit file will be locked. To unlock your credit, you go online and answer a few questions about your credit and enter your pin. Then you specify how long you want the credit file to be open OR you specify the specific agency that should have access to your credit file, and the credit file will  remain open for the specified duration.

 

It's not really that difficult. You just need to plan ahead when  you think you need to open your credit file. For example, when you apply for a job, they often do a credit file pull. Just ask the  employer which credit agency they use, and usually you can get the credit file unlocked in  24-48 hours.

 I don't see what additional value these firms offer beyond a $1milion guarantee.

 

[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]

—– Sour grapes for everyone!

[Coronita]

Not to beat this topic to death. But I currently use the  credit freeze capabilities provided by all three credit bureaus. I think  it pretty much works very well.

Basically what happens is that you send a  letter to the three credit bureaus telling them you want a credit freeze.  You pay them $10, and they will send back a pin number.

 

Your  credit file will be locked. To unlock your credit, you go online and answer a few questions about your credit and enter your pin. Then you specify how long you want the credit file to be open OR you specify the specific agency that should have access to your credit file, and the credit file will  remain open for the specified duration.

 

It's not really that difficult. You just need to plan ahead when  you think you need to open your credit file. For example, when you apply for a job, they often do a credit file pull. Just ask the  employer which credit agency they use, and usually you can get the credit file unlocked in  24-48 hours.

 I don't see what additional value these firms offer beyond a $1milion guarantee.

 

[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]

—– Sour grapes for everyone!

[snail]

I want to correct myself….
The $10 is waived if you have a police report that showed someone was getting access to your identity and using it to open fraudulent account/accounts.
I have to do this last time and I found very annoying to have to unfreeze your credit report (its not hard but annoying)

[snail]

I want to correct myself….
The $10 is waived if you have a police report that showed someone was getting access to your identity and using it to open fraudulent account/accounts.
I have to do this last time and I found very annoying to have to unfreeze your credit report (its not hard but annoying)

[snail]

I want to correct myself….
The $10 is waived if you have a police report that showed someone was getting access to your identity and using it to open fraudulent account/accounts.
I have to do this last time and I found very annoying to have to unfreeze your credit report (its not hard but annoying)

[snail]

I want to correct myself….
The $10 is waived if you have a police report that showed someone was getting access to your identity and using it to open fraudulent account/accounts.
I have to do this last time and I found very annoying to have to unfreeze your credit report (its not hard but annoying)

[snail]

I want to correct myself….
The $10 is waived if you have a police report that showed someone was getting access to your identity and using it to open fraudulent account/accounts.
I have to do this last time and I found very annoying to have to unfreeze your credit report (its not hard but annoying)

[Author]

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