Forum Discussion
carl2591
May 20, 2015Explorer III
One of the best ways to help prevent ID theft is NOT to go with LifeLock or any of the other "Id awareness" rip-off companies. The best way is to get a credit freeze on your file at all three credit agencies ASAP..http://www.clarkhoward.com/credit-freeze-and-thaw-guide
The lifelock guys can only put a fraud alert on the file, which is worthless if the person pulling the credit report notices it.. where as with a credit freeze they can NOT even see the file period..
This applies to both husband, wife and any kids over 21 yrs old with a credit history.
Read the clark howard info a decide for yourself.
and do not throw the credit card offers in the trash.. simply put "remove from mailing list" on application form, put back it Postage paid envelope and return to them. that will reduce the junkish mail you get for 2 yrs and it can take several months to slow down.
The lifelock guys can only put a fraud alert on the file, which is worthless if the person pulling the credit report notices it.. where as with a credit freeze they can NOT even see the file period..
This applies to both husband, wife and any kids over 21 yrs old with a credit history.
Read the clark howard info a decide for yourself.
and do not throw the credit card offers in the trash.. simply put "remove from mailing list" on application form, put back it Postage paid envelope and return to them. that will reduce the junkish mail you get for 2 yrs and it can take several months to slow down.
FULLTIMEWANABE wrote:
Don't underestimate how someone can steal your identity with junk mail! We know of someone that had those free credit cards sent and threw all junk mail away in their general garbage that is how the legal weasels initially tracked that their ID was compromised. Seven years later that same person is suffering from stolen ID and it's hugely affected many areas of their lives.
Do absolutely anything and everything you can to avoid any form of ID theft irrespective of what others say about paranoia We used to feel it was over the top worrying too much, but having met more than one that had their ID's compromised and seeing the ongoing years later affect it's had on them, we shred absolutely everything, and even that's not enough in this day and age to avoid it!
Only time after 18 years my credit card was compromised was after using a supposedly secure online payment platform. Never again will I do online purchases from websites - my credit card got compromised three times in three months yet nothing for the previous 18 years = go figure.
Call it paranoia call it what you want it is serious business - in this day and age with all the online banking it's getting easier and easier to steal an ID and once labelled such, you try and lead a normal life again after the fact. Ignorance isn't always bliss!
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