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Identity theft prevention by Credit Freeze | www.IdentityTheft.info

By admin - Last updated: Friday, January 29, 2010 - Save & Share - 25 Comments
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The credit bureaus are keeping quiet about the best identity theft prevention option, the Credit Freeze. They apparently dont want you to know about the credit freeze (aka Security Freeze) because once your credit is frozen they can not sell your personal credit information to numerous marketers. We want you to know about this little known secret and ask that you share it with your friends and family; the most effective personal option for identity theft prevention is the credit freeze, period. A credit freeze is a more effective method of identity theft prevention than a fraud alert (what Lifelock and others sell) because with a fraud alert, creditors still have access to your credit file and often ignore the alert and grant credit anyway! So both methods are aimed at stopping identity thieves from obtaining new credit lines in your name but the credit freeze is a much more potent protection for consumers concerned with identity theft prevention. Because the credit freeze is only obtainable directly from the credit bureaus (and they dont want you to know about it) there is very low public awareness about this identity theft prevention option. It is easy to learn how you can freeze and unfreeze your credit at the three major credit bureaus through the use of a credit freeze. We show you how, step by step in this video. Please visit www.identitytheft.info, for more information about a security credit freeze and identity theft prevention. Identity theft affects fifteen million victims a year resulting in fifty billion dollars in fraud. As these numbers show the impact of identity theft is staggering. What can you do to protect yourself? Hi, Im Bob Sullivan from MSNBC. The safest and frankly the only effective way to stop many types of identity theft is to place a security freeze on all three of your credit files. A freeze prevents anyone from accessing your credit report. Without that credit history a company wont approve a loan or issue a credit card. So identity thieves can not get credit in your name. Let me take you inside id theft for the info you need to get a security freeze. Credit freezes arent free. Prices vary from state to state. If youre a victim of identity theft credit bureaus may waive the fee. You will have to contact all three credit bureaus; Experian, Equifax and transunion and provide them with your personal information. The process will be slightly different at each bureau. At Experian you will first get this warning that a security freeze may make your life very difficult, but dont worry because it is not permanent. You can lift the credit freeze if in when you want to apply for credit. Now, pick your state. Then you will be asked for your name, social security number, date of birth, current and past addresses dating back two years, a copy of your drivers license and one utility bill. Notice you will pick a pin unlock code, write that down and put it in a safe spot. You will need it later to have the credit freeze lifted. Send the paper work by certified or overnight mail to Experian PO Box 9544 Allen, TX 75013 and in a few weeks you will get a notice from Experian that your credit file is frozen. You will need to contact the other two credit bureaus too to be sure your credit is safe. Again, it is important to note that to obtain the highest identity theft prevention level you must put a security freeze in place at all three credit bureaus. To get a credit freeze from Equifax, send a certified letter with the requested information, a utility bill for proof of address, a police report if you are a identity theft victim and payment. Fees are different depending on where you live so you should check for your state online. transunion wants similar information; a copy of your drivers license and payment. Send your credit freeze request to transunion Fraud Victim Assistance Department PO Box 6790 Fullerton, CA 92834. In a few states residents can apply by phone. Security freezes offer real piece of mind to people who are worried about identity theft prevention. Remember a credit freeze may delay any new loans, credit applications or other purchases you legitimately want to make so you will have to plan ahead for thawing that credit freeze. There is no full proof method of identity theft prevention but a credit freeze is currently the best option available.

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25 Responses to “Identity theft prevention by Credit Freeze | www.IdentityTheft.info”

Comment from Louis69
Time January 29, 2010 at 1:59 pm

I don’t see why anyone should have to pay to have their identity protected. The damn government should be doing it for us with the damn tax dollars they steal from us on a daily basis instead of wasting it on stupid shit like the war on drugs or pointless wars over seas.

Comment from brotherRob3
Time January 29, 2010 at 2:23 pm

Hey, you Devil (Dad) – where did you hear that “debt is a sin” ? I glanced at your personal page and the things that are shared there so I was surprised to see you discussing the concept of sin. But, of course, if all debt was truly a sin then it would be a very serious matter to many of us.

Comment from TazRulesNY
Time January 29, 2010 at 2:33 pm

I suspect all these negative ratings/thumbs down people are getting on here are by the scum bags who steal credit info.

Comment from outcastization8
Time January 29, 2010 at 3:21 pm

Hey, if youre stuck at home anyway now you might as well be making some money online… check out soloemployee . com

Comment from Fresh2Deaf11
Time January 29, 2010 at 3:50 pm

sweet.

Comment from devildad1620
Time January 29, 2010 at 4:09 pm

If I could I would opt out of the whole credit market. I believe that debt is bad. I have never wanted a credit card. I bank with a credit union that does not use credit reports for anything. They go by your record with them and length of membership.

Debt is a sin for a reason. It enslaves people.

Comment from SeymourButtz99
Time January 29, 2010 at 5:00 pm

Agreed, it is specious for a credit bureau which is essentially a massive database operator with little need for extraneous employees since the systems perform the majority of the work inside an infrastructure for little need of modification past design….. to be subjected to cyclical economic forces.

Credit Bureau’s are like the phone company, build once, resell many and many and many.

Even charging consumers for credit freeze is larcenous on their part.

Comment from SeymourButtz99
Time January 29, 2010 at 5:44 pm

Statistically, the majority of identify theft occurs at the hands of relatives and friends with access to your details. “credit freeze” helps to prevent instances such as a relative attempting to open NEW CREDIT in your name.
The other major source of ID theft is credit card data lost / stolen on a wholesale level such as network hacking or they lose backup tapes and credit freeze can’t protect you if someone is exploiting your existing accounts.
Existing laws protect you from paying this.

Comment from GFSuit
Time January 29, 2010 at 6:02 pm

The $5 a bureau makes on a freeze is far less than they earn selling that info over and over again. Besides, it’s free in some states.

Comment from GFSuit
Time January 29, 2010 at 6:49 pm

You must work for a credit provider to spout that foolishness.

Comment from jjjkkknnnmmmn
Time January 29, 2010 at 7:39 pm

well if customers have to pay for a freeze then the bureaus WOULD MAKE MONEY so why do you say they lose money? Ok I know you’re saying the bureaus can’t sell your info so they lose money there but if every customer PAID TO FREEZE their credit – then the bureause would make money. I bet the freeze is not easy to release when you actualy WANT to get credit. this doesn’t impress me.

Comment from abundantace
Time January 29, 2010 at 7:53 pm

I had heard about credit freezes, and after watching this video, I am seriously considering it.

Comment from omarjz
Time January 29, 2010 at 7:53 pm

fuck credit!!!! who needs that shit! all i need is cash if you dont have it you dont have money simple as that!!!!

Comment from Onionsayswhat
Time January 29, 2010 at 8:19 pm

a credit freeze f’s up your credit – when you want credit. It’s not easy to reverse it when you want credit. this guy is full of shit. this guy doesn’t know his ass from a hole in the ground. WORRY TRUST ME WORRY if you want credit in future – YOU WILL BE FUCKED I gtee you – damn jackass fool doens’t know anything about credit

Comment from Meesh60612
Time January 29, 2010 at 8:50 pm

P.S. Don’t ever pay off any debts or talk to a collection agency until you have researched your rights under FCRA. Trust me they lie a lot! Again it takes commitment but if you look at what’s being reported on each credit report you’ll see a scum bag collection agencies (CA) will report something as open or say your account is 120 past due. WRONG. CA’s can NOT report something like an original creditor but their false reporting lower scores. I was naive about all my options. Not now!

Comment from Meesh60612
Time January 29, 2010 at 9:38 pm

Only1 believe it or not there is a way to fix your credit. It takes time & commitment but there are ways. Google something like debt repair (Don’t pay debt consolidator either). But there are DV letters you an write (Collection agencies must validate a debt), sometimes an SOL should come off (a debt being reported past statute of limitations.) If you are committed and have time you can fix it :) Start by getting your credit reports. Good luck. Hey my FICO score jumped 90 points in 4 months.

Comment from jcrtec
Time January 29, 2010 at 10:06 pm

the simple best step is to make this company make a right job.

Comment from jrsentido
Time January 29, 2010 at 10:31 pm

I think it is absolutely criminal that these organizations wield so much power over personal freedoms and choices.

I think it is absolutely criminal that these organizations would stoop to charging even one penny for corrective action to prevent their irresponsible systems being used by identity thieves to commit fraud.

I think it is absolutely criminal that any one of these organizations does not provide 100% access to your report for free, at all times, instantaneously, in a secure way.

Comment from ONLY1MEMEMEME
Time January 29, 2010 at 10:31 pm

my credit is blased bad part is i havnt done but one thing on there funny thing is who ever was using my identifty was using my grandmas address how do i fix this problem and everything they’ve done

Comment from IdentityTheftExperts
Time January 29, 2010 at 11:25 pm

The Equifax product is actually called ID Patrol. It is similar to a credit freeze but weaker in a few key areas consumers should be aware of.
ID Patrol allows users to lock part of their credit file BUT this lock does not:
1) stop marketers from buying your credit file from the bureaus
2) stop potential employers from accessing your credit file
Thus, ID Patrol is a good step in the right direction but is a watered down version of a security credit freeze.

Comment from lulubirdi
Time January 29, 2010 at 11:52 pm

Is the Equifax “ID protect” lock/unlock feature the same as a credit freeze?

Comment from RobDouglas3
Time January 30, 2010 at 12:46 am

The single best step anyone can take today to prevent some types of identity theft is to place a credit freeze on your credit report. This video is good at assisting you to do that.

Comment from NoN4M3ss3ng3R
Time January 30, 2010 at 1:44 am

How do I hit the Financial “Reset button”?
Is their an “entitlement ” i can tap into ?
I’m about $100,000 down
and soon to be homeless

Comment from shaggs951
Time January 30, 2010 at 1:53 am

LOLi just typed any thing and it came up to hear lolololololololololol

Comment from IdentityTheftExperts
Time January 30, 2010 at 2:17 am

The fact that you have never had a credit card has little to do with the thief not using your credit. SSN thieves have other motives in addition to financial theft (e.g., employment, medical, criminal – where a crook is arrested and gives your name to the police to avoid getting a criminal record in their own name).

Is the thief is using your SSN for employment?

You are welcome to message me privately.

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