Re: How do I put a LOCK on my SSN to not open any more credit cards?
- From: trinidadbongo <breakdownhotel@xxxxxxxxxxxxxxxxxxxxxxx>
- Date: Wed, 30 Aug 2006 11:52:15 -0500
In article <1156946686.951193.278520@xxxxxxxxxxxxxxxxxxxxxxxxxxxx>,
"kyle" <cartesiankyle@xxxxxxxxx> wrote:
So in second thought, there are services you can pay like $20/month
to monitor your SSN and see if new accounts have been opened.. how
do they do that??
My creditors' fraud unit recommended that I invest in such a service
after I lost control of my own ID. Apparently, the services go over
your credit report with you and then use that as a baseline. Then, they
scan your report automatically on a regular basis. Any new activity
raises flags and sends out an alert to you.
I am retired, so I am considering requesting an extended alert on my
credit report. I still don't know how much info the thieves got or how
they got it. So far, only one credit card account has been affected.
I don't expect to apply for new credit at this point. Depending on your
age and situation, an extended alert may or may not be to your
advantage. If you are working with a fraud unit (as I am), they can
help you decide.
Because your ID was stolen (and hopefully, you have notified the
appropriate agencies and authorities), you have the right to an
immediate copy of your credit file report (disclosure) after the
*initial alert* has been placed on your report. Take advantage of this,
and look it over carefully to ensure that all listed accounts are
yours.
If you file an extended alert, you are entitled to two free file
disclosures within a twelve-month period following the placement of the
alert.
It is incredibly important that you keep precise account of all
specifics pertaining to the case. Write down and keep the names and
positions of everyone you speak to about it. Record dates when you make
contact and with whom, and note what was said. Keep copies of
*everything*, because you don't know when this might come around again,
and *every little detail* can assume huge importance later on.
Depending on your current credit status, you are about to become
inundated with documentation and paper. Organize it well. The
documentation is the material of your defense, and its organization and
presentation determines how well it defends you against attack. Make no
mistake: you have been attacked, and it is a war. Credit monitoring
services are like a distant early warning system. Their value depends on
how much you have to lose.
.
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