In this day and age, especially after the 2017 Equifax data breach, you should simply assume that someone has or can easily get your social security number and relevant personal info, with which they could open a credit card or other credit account in your name. when applying for a new credit card, car loan, apartment rental, etc.). If that's rule #1, then this should be rule #0: Your credit reports should be kept frozen, and "thawed" or "lifted" only as needed (i.e. In this sub-reddit, we have an unwritten "rule #1" which is to always pay your card in-full and on-time. We may make an exception if it's truly unique and helpful. Self-promotional posts must be pre-approved by a mod. Spamming other users will get you banned. This includes any behavior that could be deemed fishing for referrals. Don't post them don't hint at offering them don't ask for them. This applies to any posts where we suspect anything potentially illegal or fraudulent, and may include buying/selling tradelines. PIN, Signature).Ĭapital One Upgrade Link - Check PC eligibility for your existing card List of credit card company phone numbersĬredit Card Tuneup or CreditIntro to help you find the right cardĮMV CVM Database - Find a card's Cardholder Verification Method list (e.g. Template for Card Recommendation Requests Official User Flairs Thread - Learn how to customize your user flairĬreditKarma - Uses TransUnion and EquifaxĬreditSesame - May use Transunion or Experian depending on service.Google’s 2FA might work the same way (some people say it does but I don’t have experience). Once initial setup is complete, you have a “trusted device” rather than a “trusted phone number”. This scheme doesn’t work with iCloud accounts because that doesn’t use a phone number, except for first-time registration. It probably send a code to your pre-registered phone number, right? So now they have that, set the new password and your money’s all gone. The then go to your bank site and go through the “Forgot password” routine. So they can call your cell carrier and impersonate you and inform the service rep that you broke your phone but have a new one now, and get the carrier to switch your phone number to the new phone. Well, the hackers have both of those now. Your cell carrier probably relies on “last four digits of your social ” as its primary authenticator for you. Unfortunately, there are no actions you can take that are “sufficient”. Those actions are good but not sufficient. The volume of callers may be lower at these times. If the automated hotlines are busy, try calling back at an unusual time, like 12:30-1:00AM. The FCRA also provides you the right to “Opt-Out”, which prevents Consumer Credit Reporting Companies from providing your credit file information for Firm Offers. Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that are not initiated by you (“Firm Offers”). Canadians: 1-80)Īdditionally, you can visit to opt in or out of promotional solicitations: Or, you can skip the website and call them: You can visit this page on the TransUnion website to start the credit freeze process. And by the time a hack this happens, signing up for monitoring after the fact may be too late. But there’s no evidence that credit monitoring works. The trick is that TrueIdentity is free (for now) and freezing may require a fee. They’re designed to trick you into signing up for TrueIdentity, instead of a credit freeze. TransUnion requires you to go through a series of steps first. Luckily, the page is still there, just hidden. The website forces you through a series of convoluted steps in order to find the page. Instead, it too is promoting its credit monitoring product called TrueIdentity. TransUnion has c hanged its website to make it harder for people to find its credit freeze page. You can, however, still get to the TransUnion Credit Freeze page. As it turns out, TransUnion, another credit agency, is doing the same thing. Equifax handled the situation poorly, even going so far as to push consumers toward its credit monitoring service. Over 143 million Americans had their data compromised, including Social Security Numbers. Last week, news broke that Equifax, a credit reporting agency, suffered a data breach. The agency updated its website to make it harder to find. Wondering where to find the TransUnion credit freeze page? You’re not alone.
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