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Reloading
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<blockquote data-quote="cdherman" data-source="post: 2839959" data-attributes="member: 12282"><p>I got my data lost in the Equifax data breach in 2017, IIRC. Had my credit reports locked for years and then unlocked them to help a daughter get an apartment. Place required some parent to have good credit. Failed to re-lock my credit. 3 fraudulent loans taken out in my name in a matter of months. I was never notified by the stupid online lenders, who allowed "completely electronic loans" -- fraudster was using a yahoo email that was indeed my name. Just not me. They never ever sent a SINGLE piece of snail mail to my address. Which the fraudster had correctly given, since otherwise, the credit report would have noted "issues"......</p><p></p><p>Blame is partly on institutions that are too lazy to make sure that loan applicants are legit. And banks that allowed parties to set up accounts without legit ID. The fraudulent money left the USA in my case via a very well known bank, but the account was fraudulent.</p><p></p><p>In the end, a local police investigator did a LOT of work, filed affidavits and subpoenaed information from the banks and lenders involved. Kept me in the loop in the end, with a phone call when it all was over. No convictions or arrests, but it possible that her efforts might have changed the lazy behavior that the banks and lenders were engaging in that allowed the fraud to happen.</p><p></p><p>I ended up losing zero dollars. But countless hours of work and learning. Try filing a police report during the heart of COVID when it was all over the phone, and the lender says you have to file paperwork in 5 days. Except the police made you send a check for $1 to their office, and then they would snail mail you the report!!!! In the end, the lenders did not pursue me any further, and my credit history was cleared.</p><p></p><p> Seriously, if anyone is still reading:</p><p></p><p>- you can lock, freeze or otherwise render your credit untouchable for ZERO dollars if you are savy and do your research.</p><p></p><p>And to repeat what others have said. If it sounds too good to be true, well it always is!!!!</p></blockquote><p></p>
[QUOTE="cdherman, post: 2839959, member: 12282"] I got my data lost in the Equifax data breach in 2017, IIRC. Had my credit reports locked for years and then unlocked them to help a daughter get an apartment. Place required some parent to have good credit. Failed to re-lock my credit. 3 fraudulent loans taken out in my name in a matter of months. I was never notified by the stupid online lenders, who allowed "completely electronic loans" -- fraudster was using a yahoo email that was indeed my name. Just not me. They never ever sent a SINGLE piece of snail mail to my address. Which the fraudster had correctly given, since otherwise, the credit report would have noted "issues"...... Blame is partly on institutions that are too lazy to make sure that loan applicants are legit. And banks that allowed parties to set up accounts without legit ID. The fraudulent money left the USA in my case via a very well known bank, but the account was fraudulent. In the end, a local police investigator did a LOT of work, filed affidavits and subpoenaed information from the banks and lenders involved. Kept me in the loop in the end, with a phone call when it all was over. No convictions or arrests, but it possible that her efforts might have changed the lazy behavior that the banks and lenders were engaging in that allowed the fraud to happen. I ended up losing zero dollars. But countless hours of work and learning. Try filing a police report during the heart of COVID when it was all over the phone, and the lender says you have to file paperwork in 5 days. Except the police made you send a check for $1 to their office, and then they would snail mail you the report!!!! In the end, the lenders did not pursue me any further, and my credit history was cleared. Seriously, if anyone is still reading: - you can lock, freeze or otherwise render your credit untouchable for ZERO dollars if you are savy and do your research. And to repeat what others have said. If it sounds too good to be true, well it always is!!!! [/QUOTE]
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