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Identity & Credit Card Theft
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<blockquote data-quote="Muddyboots" data-source="post: 2706137" data-attributes="member: 63925"><p>Len, strongly recommend you place both your names in a credit freeze with all three credit agencies. Nobody can take out a loan once you have done this. Heck, recommend everyone should do this. Very simple EFFECTIVE precaution. Also recommend subscribing to Experian to further lock down your credit. These steps do not harm your credit rating at all.</p><p></p><p>Second, every bank has an alert system for use of their credit cards. I set mine to zero since crooks will test card for small amount before hitting it hard. I know usually within 3 seconds when my card is used, amount and vendor. I have stopped 3 scams in last couple years because I had set low alert amounts. Its fun to realize you stopped some piece of work that I hope paid money for my card numbers. This is very easy to do and extremely effective. Plus NEVER use you CC in debit mode ANYWHERE.</p><p></p><p>One last recommendation is data security; hard wire ethernet cable at house versus wireless for financial transactions, use VPN for all financial transactions, use security software for firewall like Norton, scrub your PC after every financial transaction to jnsure all passwords, links etc have been deleted. I refuse to use phone for any transaction . Yes, you do have to be this paranoid.</p><p></p><p>If you shut down your credit applications and use your CC alerts, you will stop 99% of the losses.</p><p></p><p>I would also file a criminal complaint in the jurisdiction the loan occurred with whatever evidence the bank can provide. You will prob have to strong arm them to get the evidence. My experience was that.</p><p>Good luck!</p></blockquote><p></p>
[QUOTE="Muddyboots, post: 2706137, member: 63925"] Len, strongly recommend you place both your names in a credit freeze with all three credit agencies. Nobody can take out a loan once you have done this. Heck, recommend everyone should do this. Very simple EFFECTIVE precaution. Also recommend subscribing to Experian to further lock down your credit. These steps do not harm your credit rating at all. Second, every bank has an alert system for use of their credit cards. I set mine to zero since crooks will test card for small amount before hitting it hard. I know usually within 3 seconds when my card is used, amount and vendor. I have stopped 3 scams in last couple years because I had set low alert amounts. Its fun to realize you stopped some piece of work that I hope paid money for my card numbers. This is very easy to do and extremely effective. Plus NEVER use you CC in debit mode ANYWHERE. One last recommendation is data security; hard wire ethernet cable at house versus wireless for financial transactions, use VPN for all financial transactions, use security software for firewall like Norton, scrub your PC after every financial transaction to jnsure all passwords, links etc have been deleted. I refuse to use phone for any transaction . Yes, you do have to be this paranoid. If you shut down your credit applications and use your CC alerts, you will stop 99% of the losses. I would also file a criminal complaint in the jurisdiction the loan occurred with whatever evidence the bank can provide. You will prob have to strong arm them to get the evidence. My experience was that. Good luck! [/QUOTE]
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