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Originally posted by Raist
reply to post by ReginaAdonnaAaron
I get the monthly through email, guess I should have specified that.
It puts a fraud alert on my credit as soon as they run my number for a loan putting everything on hold until they know who I am.
Of course, I also have a great bank. Any time my wife’s or my debit card is used outside of the normal areas it is suspended. The charge will not take unless we clear it first by speaking to someone about the purchase.
Originally posted by SSPI07
You can do what LifeLock does for free, although you have to jump through a few hoops to get there. Here's how. Go to Equifax's website to place a free 90-day freeze on your credit file. Fill out the fraud alert form, making sure to give them a valid phone number (cell phone preferred) and it is done! Equifax will send the freeze info to the other two credit agencies (Trans Union and Experian). Then just set a reminder on your calendar to do it all over again in 90 days. You can also obtain a free credit report each time you place a fraud alert on your file. You'll have to go through extra hassle when dealing with lenders, but the same is true with LifeLock. Giving your cell phone number will help speed up the process though.
I used to work in the e-commerce industry and I know several people that went through this process on a regular basis. I did it twice when I thought I had lost a credit card but stopped after I found the card stuck between the couch cushions.
after someone used his identity to obtain a $500 loan from a check-cashing company.
Originally posted by Rockpuck
reply to post by anon72
Wow what an idiot.. seriously, he could have just posted a fake SS number lol.
I hope soon the Gov will make all credit reporting agencies free, instead of paying "monitor services" .. if the economy is to be dependent on our credit scores, the Gov should offer us the service to monitor it for free.