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Message
re: Anyone ever been the a victim of identity theft?
Posted on 12/19/21 at 10:42 am to Thecoz
Posted on 12/19/21 at 10:42 am to Thecoz
quote:How? What really works? I had Lifelock and they never notified me when I bought a car or took out a loan. They'd say "well we aren't notified about everything." Regions Bank? Ford?
protect yourself!
3
Posted on 12/19/21 at 10:58 am to Jake88
Set a hard fence around my investment accounts….(fidelity) requires extra passwords for any money to be moved out of that investment firm…if password is incorrect I then need to go in person to the office.
I keep my investments separate from daily living stuff…. Use boa and merril for that…
Set a low amount that any money coming out of boa and I get a text… reset all passwords etc… so hopefully will catch in the act and stop..
For protection :
Set up identity guard for monitoring credit and dark web.
For credit… flagged my self as identity theft on the credit check services and put a hold/stop on any hard credit check inquiries.. I forget what they call it… you have to send in a lot of info and a police report to get them to up your level… you can do the level just below that easier..
For ssn use… flagged theft and put a fence on it (I think …was very confusing) at the federal ssn website…
I am retired and no reason for use of my ssn ( like job application etc)…. And I will never take a loan so was easier for me to set up fences…
I keep my investments separate from daily living stuff…. Use boa and merril for that…
Set a low amount that any money coming out of boa and I get a text… reset all passwords etc… so hopefully will catch in the act and stop..
For protection :
Set up identity guard for monitoring credit and dark web.
For credit… flagged my self as identity theft on the credit check services and put a hold/stop on any hard credit check inquiries.. I forget what they call it… you have to send in a lot of info and a police report to get them to up your level… you can do the level just below that easier..
For ssn use… flagged theft and put a fence on it (I think …was very confusing) at the federal ssn website…
I am retired and no reason for use of my ssn ( like job application etc)…. And I will never take a loan so was easier for me to set up fences…
Posted on 12/19/21 at 11:05 am to samson73103
Sandy Patterson
Posted on 12/19/21 at 11:07 am to Jake88
quote:
How? What really works?
I have credit monitoring through Equifax. It notifies me of new accounts and changes to things like credit card balances. Not sure how that compares to Lifelock.
Posted on 12/19/21 at 11:42 am to samson73103
Not steal my identity, but have had my cc # stolen a handful of times. They never made it past the test transaction before getting caught.
Once had my AmEx account info changed to a different address in Montana. They never did anything with it just made it a pain in the arse for several years to identify my identity (always locked me out when it came to the which address have you lived at before question)
Once had my AmEx account info changed to a different address in Montana. They never did anything with it just made it a pain in the arse for several years to identify my identity (always locked me out when it came to the which address have you lived at before question)
Posted on 12/19/21 at 11:59 am to samson73103
Just got a call this weekend from fraud protection. Someone used my debit card in the UK for a $50 charge. So, now my card is canceled and I will have to get a new one issued, but thankful it was caught. A few months ago I had a hard hit on credit report from Bank of America that I reported and it was listed as fraud and removed from my report. Also got a suspicious letter from the state of Ohio about COVID relief funds I had supposedly received. I’ve never even been to Ohio. All of this within the past 3 months.
Posted on 12/19/21 at 12:07 pm to samson73103
Yes. And it was a pain getting it all resolved. Somebody out of Chicago who purchased furniture and other miscellaneous items on a credit line they applied for. Got them all shut down eventually.
All of my credit is locked down (not sure what the term for it is). No lines of credit without my approval. Nothing.
All of my credit is locked down (not sure what the term for it is). No lines of credit without my approval. Nothing.
Posted on 12/19/21 at 12:20 pm to siberian tiger
quote:
a postal worker was smart enough to realize that something funny was going on
That’s pretty awesome. A lot of people would have just filed that under things they don’t care about and went about their work. Good for him/her!
Posted on 12/19/21 at 12:33 pm to go ta hell ole miss
Yes...Had someone use my SSN and other info to take advantage two different bank offers to start an online checking account which would receive a onetime $50 gift deposit from the bank. Both banks were in state, and one denied the transaction (didn't contact me), and the other allowed it and reached out to me after NSF withdrawals come up on the account and it appeared fishy.
Long story short, only real cost to me to fix this was sweat equity - some time on the phone, emailing docs to the bank and setting up credit agencies account freezes with Transunion, Equifax and Experian - not hard to do, but still spent time I wouldn't have otherwise. Also had to file an affidavit at identitytheft.gov - an arm of the FTC, if I remember correctly.
Fortunately for me, my list of accounts to review was small, and it would have been very easy to suss out any irregularities after reviewing all three reports.
Take the time to go through establishing freezes, report to the government and then get more careful with passwords (especially with email accounts) and always use two-factor authentication when its an option. I was very, very fortunate and consider myself warned.
As an aside, I did not pay for lifelock or similar - felt no need to after I did all of the leg work myself to re-secure everything. Also TALK TO YOUR KIDS ABOUT IDENTITY THEFT AND ABOUT PASSWORD/INTERNET SECURITY/SAFETY.
Long story short, only real cost to me to fix this was sweat equity - some time on the phone, emailing docs to the bank and setting up credit agencies account freezes with Transunion, Equifax and Experian - not hard to do, but still spent time I wouldn't have otherwise. Also had to file an affidavit at identitytheft.gov - an arm of the FTC, if I remember correctly.
Fortunately for me, my list of accounts to review was small, and it would have been very easy to suss out any irregularities after reviewing all three reports.
Take the time to go through establishing freezes, report to the government and then get more careful with passwords (especially with email accounts) and always use two-factor authentication when its an option. I was very, very fortunate and consider myself warned.
As an aside, I did not pay for lifelock or similar - felt no need to after I did all of the leg work myself to re-secure everything. Also TALK TO YOUR KIDS ABOUT IDENTITY THEFT AND ABOUT PASSWORD/INTERNET SECURITY/SAFETY.
Posted on 12/19/21 at 12:33 pm to go ta hell ole miss
Yes...Had someone use my SSN and other info to take advantage two different bank offers to start an online checking account which would receive a onetime $50 gift deposit from the bank. Both banks were in state, and one denied the transaction (didn't contact me), and the other allowed it and reached out to me after NSF withdrawals come up on the account and it appeared fishy.
Long story short, only real cost to me to fix this was sweat equity - some time on the phone, emailing docs to the bank and setting up credit agencies account freezes with Transunion, Equifax and Experian - not hard to do, but still spent time I wouldn't have otherwise. Also had to file an affidavit at identitytheft.gov - an arm of the FTC, if I remember correctly.
Fortunately for me, my list of accounts to review was small, and it would have been very easy to suss out any irregularities after reviewing all three reports.
Take the time to go through establishing freezes, report to the government and then get more careful with passwords (especially with email accounts) and always use two-factor authentication when its an option. I was very, very fortunate and consider myself warned.
As an aside, I did not pay for lifelock or similar - felt no need to after I did all of the leg work myself to re-secure everything. Also TALK TO YOUR KIDS ABOUT IDENTITY THEFT AND ABOUT PASSWORD/INTERNET SECURITY/SAFETY.
Long story short, only real cost to me to fix this was sweat equity - some time on the phone, emailing docs to the bank and setting up credit agencies account freezes with Transunion, Equifax and Experian - not hard to do, but still spent time I wouldn't have otherwise. Also had to file an affidavit at identitytheft.gov - an arm of the FTC, if I remember correctly.
Fortunately for me, my list of accounts to review was small, and it would have been very easy to suss out any irregularities after reviewing all three reports.
Take the time to go through establishing freezes, report to the government and then get more careful with passwords (especially with email accounts) and always use two-factor authentication when its an option. I was very, very fortunate and consider myself warned.
As an aside, I did not pay for lifelock or similar - felt no need to after I did all of the leg work myself to re-secure everything. Also TALK TO YOUR KIDS ABOUT IDENTITY THEFT AND ABOUT PASSWORD/INTERNET SECURITY/SAFETY.
Posted on 12/19/21 at 12:33 pm to go ta hell ole miss
Yes...Had someone use my SSN and other info to take advantage two different bank offers to start an online checking account which would receive a onetime $50 gift deposit from the bank. Both banks were in state, and one denied the transaction (didn't contact me), and the other allowed it and reached out to me after NSF withdrawals come up on the account and it appeared fishy.
Long story short, only real cost to me to fix this was sweat equity - some time on the phone, emailing docs to the bank and setting up credit agencies account freezes with Transunion, Equifax and Experian - not hard to do, but still spent time I wouldn't have otherwise. Also had to file an affidavit at identitytheft.gov - an arm of the FTC, if I remember correctly.
Fortunately for me, my list of accounts to review was small, and it would have been very easy to suss out any irregularities after reviewing all three reports.
Take the time to go through establishing freezes, report to the government and then get more careful with passwords (especially with email accounts) and always use two-factor authentication when its an option. I was very, very fortunate and consider myself warned.
As an aside, I did not pay for lifelock or similar - felt no need to after I did all of the leg work myself to re-secure everything. Also TALK TO YOUR KIDS ABOUT IDENTITY THEFT AND ABOUT PASSWORD/INTERNET SECURITY/SAFETY.
Long story short, only real cost to me to fix this was sweat equity - some time on the phone, emailing docs to the bank and setting up credit agencies account freezes with Transunion, Equifax and Experian - not hard to do, but still spent time I wouldn't have otherwise. Also had to file an affidavit at identitytheft.gov - an arm of the FTC, if I remember correctly.
Fortunately for me, my list of accounts to review was small, and it would have been very easy to suss out any irregularities after reviewing all three reports.
Take the time to go through establishing freezes, report to the government and then get more careful with passwords (especially with email accounts) and always use two-factor authentication when its an option. I was very, very fortunate and consider myself warned.
As an aside, I did not pay for lifelock or similar - felt no need to after I did all of the leg work myself to re-secure everything. Also TALK TO YOUR KIDS ABOUT IDENTITY THEFT AND ABOUT PASSWORD/INTERNET SECURITY/SAFETY.
Posted on 12/19/21 at 1:09 pm to BigPapiDoesItAgain
quote:
BigPapiDoesItAgain
User name checks out
Posted on 12/19/21 at 3:44 pm to Jake88
Lifelock doesn't do anything you can't do yourself. Their contracts are just basically a power of attorney for them to act on your behalf.
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