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For your specific issue, you can do a credit freeze (or whatever it’s called). These have pros and cons, and there are different levels of freezes (all called d

For your specific issue, you can do a credit freeze (or whatever it’s called). These have pros and cons, and there are different levels of freezes (all called different things iirc). Research them and use them if it makes sense. Signup for regular credit score reports. I get a monthly email from one of the credit score companies, plus immediate emails if my credit gets checked. I use 1password and Fastmail with my own domain, and privacy.com. With those three (and their integrations) I can easily create unique debit cards, unique email addresses, and unique passwords each time I register for another site/service. This doesn’t help your specific issue but it helps with a lot of things. Use NextDNS on your router and devices and set it up to use dns-over-https. Block ads etc. Links to above mentioned sites which may benefit me and/or you: - https://nextdns.io/?from=k6bqh5rg https://nextdns.io/?from=k6bqh5rg - https://ref.fm/u26310488 https://ref.fm/u26310488 (fastmail) - https://privacy.com/join/JCPFN https://privacy.com/join/JCPFN

akudha 5y ago
I have done a credit lock, is that enough? Or do I need a credit freeze?
- deleted 5y ago
  [deleted]
- wnevets 5y ago
  You probably want the credit freeze. These companies are required by the US law to provide the service for free. Credit locks usually require payment to get.
- starwind 5y ago
  Credit "locks" are kind of a scam. You definitely want to put a 1 year fraud alert on your credit report where a lender is supposed to call the number you include to verify that you applied for credit. You can also freeze your credit if you have no plans to apply for any credit cards or a mortgage in the immediate future. Get the fraud alert on Chex, too. They're the equivalent of the credit rating agencies for bank accounts. If you don't need to switch banks soon, I'd definitely freeze that one. https://www.chexsystems.com/web/chexsystems/consumerdebit/page/IdentityTheft/securityalert/ https://www.chexsystems.com/web/chexsystems/consumerdebit/pa... https://www.chexsystems.com/web/chexsystems/consumerdebit/page/securityfreeze/placefreeze/ https://www.chexsystems.com/web/chexsystems/consumerdebit/pa... If you have a credit card through Chase, AmEx, or CapitalOne you can get free credit monitoring where they'll email you or send you a push notification as soon as a lender does a hard-pull against either your Tranunion or Experian reports. Have you filed a police report? I've had my identity stolen and helped some of my friends resolve identity theft issues so I speak from experience: you will get so much further if you can fax or email people copies of a police report Hmu if you need any help resolving this.
- auslegung 5y ago
  That’s where I’m not sure and you’ll need to do some research. It’s been a while since I knew these things and even then I didn’t know them well. But I am aware that banks don’t always check your credit right away when you open a new credit card, so even with a credit lock or credit freeze someone else could still open a credit card in your name. Or at least that was true once upon a time, regulations may have change by now.
moneywoes 5y ago
Anyone know if these are possible in Canada?
- auslegung 5y ago
  1Password is based in Canada. However Privacy.com you can only use a US-based funding source (ie bank account or debit card). Fastmail is Australian-based and works worldwide. NextDNS I think is available everywhere.

akudha 5y ago

I have done a credit lock, is that enough? Or do I need a credit freeze?

deleted 5y ago
[deleted]
wnevets 5y ago
You probably want the credit freeze. These companies are required by the US law to provide the service for free. Credit locks usually require payment to get.
starwind 5y ago
Credit "locks" are kind of a scam. You definitely want to put a 1 year fraud alert on your credit report where a lender is supposed to call the number you include to verify that you applied for credit. You can also freeze your credit if you have no plans to apply for any credit cards or a mortgage in the immediate future. Get the fraud alert on Chex, too. They're the equivalent of the credit rating agencies for bank accounts. If you don't need to switch banks soon, I'd definitely freeze that one. https://www.chexsystems.com/web/chexsystems/consumerdebit/page/IdentityTheft/securityalert/ https://www.chexsystems.com/web/chexsystems/consumerdebit/pa... https://www.chexsystems.com/web/chexsystems/consumerdebit/page/securityfreeze/placefreeze/ https://www.chexsystems.com/web/chexsystems/consumerdebit/pa... If you have a credit card through Chase, AmEx, or CapitalOne you can get free credit monitoring where they'll email you or send you a push notification as soon as a lender does a hard-pull against either your Tranunion or Experian reports. Have you filed a police report? I've had my identity stolen and helped some of my friends resolve identity theft issues so I speak from experience: you will get so much further if you can fax or email people copies of a police report Hmu if you need any help resolving this.
auslegung 5y ago
That’s where I’m not sure and you’ll need to do some research. It’s been a while since I knew these things and even then I didn’t know them well. But I am aware that banks don’t always check your credit right away when you open a new credit card, so even with a credit lock or credit freeze someone else could still open a credit card in your name. Or at least that was true once upon a time, regulations may have change by now.

moneywoes 5y ago

Anyone know if these are possible in Canada?

auslegung 5y ago
1Password is based in Canada. However Privacy.com you can only use a US-based funding source (ie bank account or debit card). Fastmail is Australian-based and works worldwide. NextDNS I think is available everywhere.