As of Sep 21, you can get Equifax, Experian, and TransUnion to freeze your credit, for free. They promise to do it within one business day. You can supposedly unfreeze your credit within 1 hour. (I'm not sure of the details. Haven't done it yet myself, but I plan to. Contact each of them.).
This prevents an identify thief from opening up a line of credit in your name. It's also recommended that you do it for your under-age kids, too.
A good safety precaution and free, too. What's not to like? 8->
Thanks, Fred. I read this somewhere a couple of days ago and I can't find where. I think in our local newspaper which gave instructions. I'll need to look for it. I also wonder about credit reports of deceased people, if theirs should be frozen also. I think so. But I imagine that one would have to have some kind of power of attorney or something to do it.
Not sure how it works for living folk, let alone the dead. Unfortunately, there's no central database that collects all the recently dead, so you probably have to produce a death certificate and such to prove it. On the up side, the debt collecting agencies can't bother them with phone calls and threats, no matter how much money they owe. 8->
I don't know. Is anyone in the group familiar with how this stuff works?
I'm going to be doing a lot more research. I have really no intention of getting loans so don't really care overall, just don't want my information to be used and I then have to get myself out of some creep's crime. I did get my credit reports one time, but they did ask for social security number to get them. So, I guess it's the same, now but we know that the crooks have our SS#s already. I guess if someone has passed away and someone is using their information for monetary reasons, then it's going to be hard to prove that the person who passed away bought real estate or a car. But still, a whole lot of hassle to go through. On one of my credit reports, I'm also aka as my mom's name. Dammit!