Between mortgage companies and utility companies, I've given my social security number to about 6 different places. Is there a good way to prevent any new lines of credit from being opened using my SS number? I guess I'm going to have to pay for one of those credit monitoring companies. Is there a "best" credit monitoring company?
Best way to "lock" your credit?
- Thread starter GRIFFIN1
- Start date
Stop using mortgage companies run by felons?
It's too late. Your SS# is what you need to safeguard, and according to you it's no longer "safe". Just monitor your credit report every year...no need to pay for a monitoring company.
It's too late. Your SS# is what you need to safeguard, and according to you it's no longer "safe". Just monitor your credit report every year...no need to pay for a monitoring company.
Actually, on second thought, it's not too late. Send my your SSN and all your CC numbers. I'll keep an eye on them 
The best one was the last place I went to. The water company required that I go to the main office and show them my ID and a copy of the lease I signed for the property. The woman working there expected me to just say my SS# to her while I'm surrounded my a bunch of people that are there to try to get their water turned back on because they didn't pay their bills. I wrote the number down and she wrote it down in a notebook next to her computer. I just know I'm going to get my ID jacked.
PingSpike
Lifer
- Feb 25, 2004
- 21,758
- 603
- 126
It my state you can pay like 5-10 bucks or something to freeze your credit entirely. (can't apply for new credit, only existing companies can access your records I believe) If you want to unfreeze it you have to provide a pin number. I've been thinking about doing it myself actually.
alkemyst
No Lifer
- Feb 13, 2001
- 83,769
- 19
- 81
It's usually not at these kinds of places...you trying to set up something?
Restaurants, gas stations and convenience stores are where most identity theft occurs. The employees are tranisient and usually have full access to customer information.
Most utility and mortgage companies go through a lot of audits (not saying it's impossible...just improbably unless you are like marked someone).
We get quite a few customers thinking we can approve them for loans without a social security number and them just telling us their scores.
RossMAN
Grand Nagus
- Feb 24, 2000
- 79,004
- 429
- 136
Capt Caveman
Lifer
- Jan 30, 2005
- 34,543
- 651
- 126
Contact each credit bureau and have fraud alerts placed on your accounts. You will be required to leave them a contact number so that you can be contacted if anyone is trying to open an account against your SS #. Note, it expires after seven years but can have the alerts put on again.
Only the extended fraud alert lasts 7yrs. But that requires a police report/proof you're a victim of ID theft. For the 90day one you just contact one credit bureau and they'll contact the others.
https://www.annualcreditreport...cra/helpfaq#fraudalert
90day fraud alert also removes you from the pre-approved, unsolicited credit and insurance offers list, i.e. 1?888?5OPTOUT.
Capt Caveman
Lifer
- Jan 30, 2005
- 34,543
- 651
- 126
Is this fairly new? When I had my wallet stolen a few years ago, I was able to place a fraud alert with each credit bureau without a police report for seven years.
http://www.consumersunion.org/...factsheets/001626.html
Looks like it was changed at the end of 2004.
lokiju
Lifer
- May 29, 2003
- 18,526
- 5
- 0
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