Has Anyone Froze Their Credit Reports???

MinnesotaFats · 09-13-17, 11:09 AM

Odds are half the SBR forum lacks credit worth freezing and the other half likely responsible for the theft to begin with....

KVB · 09-13-17, 11:16 AM

Originally posted by MinnesotaFats

Odds are half the SBR forum lacks credit worth freezing and the other half likely responsible for the theft to begin with....

funnyb25 · 09-13-17, 11:18 AM

Originally posted by MinnesotaFats

Odds are half the SBR forum lacks credit worth freezing and the other half likely responsible for the theft to begin with....

JIBBBY · 09-13-17, 11:31 AM

Lol... ^^^^ True...

Keeping a close eye on mine.. Equifax had a server breech the other day and lots of identities got out..

funnyb25 · 09-13-17, 11:37 AM

Originally posted by JIBBBY

Lol... ^^^^ True...

Keeping a close eye on mine.. Equifax had a server breech the other day and lots of identities got out..

Yup..instant change of passwords for all accounts

sam9ball · 09-13-17, 11:40 AM

JJ bookie credit doesn't get reported.

jjgold · 09-13-17, 11:47 AM

Sammy I hear you

Freezing credit better than monitoring services like lifelock

RoyBacon · 09-13-17, 03:17 PM

I'll bite...wtf does freezing a credit report mean?

Snowball · 09-13-17, 03:25 PM

"breach" lol... more like inside job - sell info to dark web
take a cool easy million in bitcoin.

grease lightnin · 09-13-17, 03:29 PM

It's a pain in the ass.

All ************ and banks offer fraud protection, so why bother?

JIBBBY · 09-13-17, 03:33 PM

Originally posted by Snowball

"breach" lol... more like inside job - sell info to dark web
take a cool easy million in bitcoin.

True, breach may have been the wrong used on my part.. Most are inside jobs..

When your identity is stolen and the thieves start applying for new Crediit Caards and then max them out I can only imagine what a headache that would be trying to fix it all..

One day you probably see all your credit card limits drop or get cut off because you are behind payments on half a dozen accounts that you never opened or knew you had.. You owe $50,000 or more and the collection agencies are now coming after you...

Horrific, I hope I never have to experience that.. Identity theft is the WORSE!!!! Criminals that do that should be put away for life when caught..

grease lightnin · 09-13-17, 03:37 PM

Originally posted by funnyb25

Yup..instant change of passwords for all accounts

Equifax doesn't have your passwords

They got ss#'s, date of birth, address, some DL #'s and c c #'s.

I already have a credit monitoring service

Problem with freezing your credit is having to unfreeze it when you need to. Pain in thanballs

grease lightnin · 09-13-17, 03:39 PM

Originally posted by JIBBBY

True, breach may have been the wrong used on my part.. Most are inside jobs..

When your identity is stolen and the thieves start applying for new Crediit Caards and then max them out I can only imagine what a headache that would be trying to fix it all..

One day you probably see all your credit card limits drop or get cut off because you are behind payments on half a dozen accounts that you never opened or knew you had.. You owe $50,000 or more and the collection agencies are now coming after you...

Horrific, I hope I never have to experience that.. Identity theft is the WORSE!!!! Criminals that do that should be put away for life when caught..

Nah dude. You just call the cc companies and report the fraud. Easy peasy japaneasy

JIBBBY · 09-13-17, 03:42 PM

Originally posted by grease lightnin

Nah dude. You just call the cc companies and report the fraud. Easy peasy japaneasy

Is that right? Well the thieves still have your SS and personal information.. You still have to stop or change that to put an end to it.. Not that easy peasy one would think..

Have you been there done that Greaser?

grease lightnin · 09-13-17, 03:49 PM

Originally posted by JIBBBY

Is that right? Well the thieves still have your SS and personal information.. You still have to stop or change that to put an end to it.. Not that easy peasy one would think..

Have you been there done that Greaser?

Yeah, you could say that.

If you're really concerned then you can freeze your credit. But I was exposed in the Anthem breach and this equifax breach. Not worried.

I have credit monitoring, and if there is a new credit line in my name, I get notified via email. If it's fraudulent, just call the cc company and report the fraud. That simple.

Slipknot26 · 09-13-17, 04:06 PM

I checked , I'm good , it's free to verify if your detail was breached before you take it in the ass .

funnyb25 · 09-13-17, 04:07 PM

Originally posted by Slipknot26

I checked , I'm good , it's free to verify if your detail was breached before you take it in the ass .

Heard it wasn't accurate if we are talking about the same thing

Slipknot26 · 09-13-17, 04:16 PM

No you can sign up at Equifax, they know who got breached , at least the SS # that was involved in the breach . Lucky, I wasn't involved in it .
Monitoring is free for a yr I think no matter if you're a potential or not .
Now if they say I'm good , in which they notified me I was then actually do get breached , that just brings on more of a lawsuit .

jjgold · 09-13-17, 04:18 PM

Try to lock your credit it's such a project

KVB · 09-13-17, 04:42 PM

Use a credit monitoring service if you're worried. They are not expensive. Most banks and cards have automatic fraud protection. It's just par for the course anymore. If you see something, call the company and let the know. It's an easy, everyday fix anymore.

funnyb25 · 09-13-17, 04:53 PM

Originally posted by KVB

Use a credit monitoring service if you're worried. They are not expensive. Most banks and cards have automatic fraud protection. It's just par for the course anymore. If you see something, call the company and let the know. It's an easy, everyday fix anymore.

Not worried at all about my current stuff...I am concerned about new chit opening up...

Grits n' Gravy · 09-13-17, 05:02 PM

Freezing your credit should be a last resort because it means you will have to jump through hoops to unfreeze it to apply for new credit, mortgages etc...

Identity theft is a colossal headache. My sister went through it and ended up getting her ss# changed because 2 years after it was cleaned up new accounts began to appear on her reports that got maxed and stiffed. They ended up catching the culprits by sheer luck. A group of Romanians.

KVB · 09-13-17, 05:03 PM

Originally posted by funnyb25

Not worried at all about my current stuff...I am concerned about new chit opening up...

Services will alert you of any new lines or credit checks.

jjgold · 09-13-17, 05:50 PM

Originally posted by Grits n' Gravy

Freezing your credit should be a last resort because it means you will have to jump through hoops to unfreeze it to apply for new credit, mortgages etc...

Identity theft is a colossal headache. My sister went through it and ended up getting her ss# changed because 2 years after it was cleaned up new accounts began to appear on her reports that got maxed and stiffed. They ended up catching the culprits by sheer luck. A group of Romanians.

Gritter 3 reporting agenicies

Freezing credit is one click now once your set up..most people do not need access to credit reports..lucky 2 times a year???

Lifelock too expensive and cannot lock your credit....

Best way sign up at all 3 credit bureaus pay small fee at them all to have this feature..plus get alerts

Most it will cost is $20 a month..Lifelock $30 but cannot freeze credit with one click