Question by Ted C: do i need to freeze my credit status? I was recently the target of an online 'phishing' scam. This breach included my name, address, age and occupation but not my social security number. I am low-income, never had a credit card and not likely to apply for one soon. Is it a good idea to ask the credit bureaus to freeze my credit now to guard against possible identity theft? Is there also included a safeguarded option to re-activate my status in future when I am ready to apply for credit? Peace. Best answer for do i need to freeze my credit status?:
Answer by kay
Here's the FTC's website on credit freezes and notifications: Note that there's no charge for asking the credit bureaus for a fraud alert, but there may be a charge for freezing or unfreezing credit. http://www.ftc.gov/bcp/edu/microsites/idtheft/credit-freeze.html http://www.ftc.gov/bcp/edu/microsites/idtheft/ It sounds like you fit the following category: http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/compromised.html I'd urge you to put at least a fraud alert on your credit files -- see the phone numbers here: http://www.ftc.gov/bcp/conline/pubs/alerts/infocompalrt.shtm I had to do this after a computer was stolen from an insurance company with my mother's information on it. I found that notifying Equifax by phone was pretty painless, and they take care of notifying the other two credit bureaus. Note that after filing a fraud alert, you can ask for copies of your credit reports from each credit bureau -- you've got 90 days to do it for a free report. You're otherwise entitled to one free credit report from each bureau a year. They'lll also sell you your FICO score if you want. Again, dealing with the credit bureaus by phone appears to be the least-hassle option. Good luck!
Answer by stan c
You can put the account on fraud alert through Trans Union Fraud Dept. Their toll free # 1-800-680-7289. They will notify the other 2 bureaus for you at no charge. You have to renew it every 90 days. When you're ready to apply, just call and have the fraud alert removed.
There's a bunch of blather at the end of this video that I don't particularly remember. All I do remember is that it came out of post-production fine and I'm too lazy to rerewatch it. Late because I kinda forgot about this due to real-life shenanigans. Long story short: I believe one of my (professional) job references has been stabbing me in the back all summer and learning about this and deciding what to do about it has been a bit distracting. (You can guess about the status of my app.) This is all I will say on this subject because YouTube is not my bitchblog. It has also occurred to me that, given my chosen profession, posting a ton of Holdover videos in a public place like YouTube with my voice attached may not be the best idea. As such, I'm probably not going to LP it. Scarlet Symphony is still planned, however, and I recently ran across a Touhou Bomberman clone that was apparently released at C76, so I'll throw that into the spot Holdover just vacated. All this is assuming, of course, that I can remain NOT addicted to Phantom Brave, which I just picked up very recently and am greatly enjoying. Anyway, now that this LP is done, go watch ReisenMell's storyline retelling with both Spiritia and Grolla. www.youtube.com
http://leafgardenpress.com/ Let's Play Rosenkreuzstilette - No Cross Tank One Credit Clear Buster Duel - Part 17: Iris Zeppelin
LevelUp, the one-year-old mobile payments arm of Boston startup SCVNGR, is now providing merchants with the sweetest of incentives for using its mobile payments and rewards system: no credit card processing fees whatsoever. Mobile pay provider LevelUp shucks the status quo, drops credit card fees
The lenders are prepared to advance finance to any loan-seeker if his credit score is healthy. A person with a fair credit report represents that he has acted sincerely in financial transactions. This is why his loan application is not turned down by the lending agencies.
He can avail loans in either of the two variants: secured and unsecured. In the secured variant of loans, he must provide tangible assets to be used as a pledge against which the lender will offer him the loan amount. The loan amount would come in the range from 25000 to 75000 and this would be offered at favorable rates of interest and under flexible reimbursement period.
The borrower can secure an amount between 1000 and 25000 towards fair credit rating loans for which he does not require providing any security. Of course, the rates of interest would be relatively high. He would be directed to clear the borrowed amount within 1 to 10 years.
These are good amount of finance. The borrower can renovate his house and even attempt to buy a big house. The amount may be used to clear medical bills and also to pay for higher studies of sons and daughters. Fair credit rating loans act as a kind of great relief when a person is badly in need of substantial amount of loan.
The creditor would not ask the loan-seeker to fax documents in papers as evidences of his personal details if he applies for fair credit rating loans. The loan-seeker can apply offline and online. He should better submit his loan application online, as he will find little botheration in online submission. Online submission is comfortable and time-saving. It allows the loan-seeker to maintain his privacy. Online submission is also good for fast payment. The lender will check the loan application and he would send the loan amount electronically to the bank account of the applicant.
The applicant must qualify for fair credit rating loans. It is an imperative for the loan-seeker to be a citizen of United Kingdom. He must be at least 18 years old. He must be employed at any authorized organization at least for the last six months. His monthly income must be around 1000. It is again a must that he possesses checking account. Recommend Fair Credit Rating Loans: Assistance For One Who Has Fair Credit Status Issues
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