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Posted by butterfly on Dec-23-2004 22:33:

credit reporting

here is a thread for you CORwhores that actually has a topic...

i got some stuff stolen and in the bag was all my addresses, my SSN, an old ID, some credit cards and some other stuff.

i want to find out if it is appropriate to get some kind of hold or watch put on my SSN to monitor for possible identity theft. i think the credit reporting agencies charge for this service though.

so,
1. do you think it is worth getting this kind of service or insurance?
2. do any of you know about this stuff?
3. what are the 3 agencies for credit reporting in the US? i can only remember equifax.

thanks...

Posted by Yan on Dec-23-2004 22:43:

1) Yes.

2) No.

3) Equifax, Experian (TRW) and Trans Union.

Posted by occrider on Dec-23-2004 22:52:

I use privacy guard. I find it to be prudent.

Posted by Orbital32 on Dec-23-2004 23:01:

call you credit card company and cancel the cards. Place a fraud alert on your SSN.

http://www.fightidentitytheft.com/flag.html

Posted by butterfly on Dec-23-2004 23:02:

quote:
Originally posted by Orbital32
call you credit card company and cancel the cards. Place a fraud alert on your SSN.

http://www.fightidentitytheft.com/flag.html

i already did that with the credit cards, and i got a new bank account.

what is a fraud alert and how much does it cost?
edit: thanks for that link.

Posted by Orbital32 on Dec-23-2004 23:03:

i'm pretty sure it's free. just call them up and they should be able to assist you.

Posted by butterfly on Dec-23-2004 23:07:

quote:
Originally posted by Orbital32
i'm pretty sure it's free. just call them up and they should be able to assist you.

i read that website he posted. it appears to be $10 in california. i dont understand how california is different that other states but they had a special link for it.

by the way, that link was extremely useful.

Posted by Orbital32 on Dec-23-2004 23:09:

good trust me, it's worth it. they made a copy of my debit card and went on a shopping spree. just clear that took about 2 weeks. Credit is alot harder.

Posted by igottaknow on Dec-23-2004 23:34:

most street theives grab the cash and ditch the rest which is traceable. Besides the places where they shop (corner whore, liquor store, and crack dealer) don't accept plastic.

Posted by Orbital32 on Dec-24-2004 00:18:

and so you telling me that's worth the risk? That they are PROBABLY going to toss the credit cards?