Recent Topics
Low oil pressure at idle
by Spetz
07/22/18 11:43 PM
Buy an extended warranty on HF Pressure washer?
by David2431
07/22/18 11:21 PM
2009 Matrix Bosal muffler
by expat
07/22/18 10:58 PM
Harbor Freight engines
by mx5miata
07/22/18 10:00 PM
Preventative Early Fuel Injector Cleaning?
by 2015_PSD
07/22/18 09:54 PM
Lawnmower fuel filter for old lawnmower engine
by Greaser73
07/22/18 09:23 PM
My wife is wanting a new car
by MParr
07/22/18 07:46 PM
Oil choices
by charmer37
07/22/18 07:22 PM
Lifeguard 8 and Audi 8hp55
by seanf
07/22/18 06:44 PM
2008 Tahoe loses power - electrical problem
by pacem
07/22/18 06:36 PM
How to clean wood trim?
by MajorCavalry
07/22/18 05:39 PM
Rotella T6 5w40 $12.97 after rebate
by dmiko
07/22/18 04:30 PM
Drivers not turning left with green light
by Mr Nice
07/22/18 04:25 PM
Someone hit my car
by Dylan1303
07/22/18 04:15 PM
Which spark plugs for 92 Olds 88?
by atikovi
07/22/18 02:54 PM
Electronic spark doesn't work on gas stove
by JLawrence08648
07/22/18 02:46 PM
Doorbell Button Bulb
by Yah-Tah-Hey
07/22/18 02:07 PM
AC/Blendoor Problem
by SilverFusion2010
07/22/18 01:53 PM
Suzuki 2.7L idle noise
by FlyPenFly
07/22/18 01:52 PM
TSC Rotella...YIKES!
by Greg L
07/22/18 01:48 PM
Newest Members
motogp46, Kyle0651, cavisco, firefox87, wiliweld
65534 Registered Users
Who's Online
33 registered (A_A_G, bugeye, CaspianM, Alex11111, 08z06, AVB, 2 invisible), 904 Guests and 29 Spiders online.
Key: Admin, Global Mod, Mod
Forum Stats
65534 Members
67 Forums
287498 Topics
4796056 Posts

Max Online: 3590 @ 01/24/17 08:07 PM
Donate to BITOG
Topic Options
#4483332 - 08/09/17 06:29 AM Credit Report Freezes - Not Just for Victims
LoneRanger Offline


Registered: 07/02/07
Posts: 4110
Loc: Midwest USA
Each of the four credit bureaus (there's a 4th now called Innovis) offer the ability online on their sites, to put a security freeze on your credit file. I've done it with all four. It works. When buying the motorcycle couple weeks ago dealership called and said bank needed me to unlock my Transunion file, just for about 30 minutes so they could run the approval process. Went online, unlocked, then locked it back down little later. Worked flawlessly and easily online.

All the usual online best practices apply of course, make sure your device is malware/virus free, the connection shows as SSL (I also use IBM's Trusteer Rapport to secure important connections).

To each their own but trust me it's much less hassle to lock them down and manage a few PINs needed to unlock them anytime, than trying to clean up the mess a fraudster will make of your credit files if they get your personal info and start doing their thing.

However, some states allow each credit bureau to charge a fee to lock your report if your not a victim of ID theft. That is bovine scat in my opinion and I'm glad in my state it is free to do.

_________________________

'09 Subaru Forester ...................(QS HM 5W30)
'16 Moto Guzzi Stelvio 1200 .....(ENI i-Ride PG 10W60)

Top
#4483370 - 08/09/17 07:18 AM Re: Credit Report Freezes - Not Just for Victims [Re: LoneRanger]
Linctex Offline


Registered: 12/31/16
Posts: 6186
Loc: Waco, TX
I just wish they didn't each charge $10 every time mad mad mad
_________________________
"The evidence demands a verdict".
(Re:VOA)"it's nearly impossible to actually know the particular additives that are in there at what concentrations."

Top
#4483373 - 08/09/17 07:21 AM Re: Credit Report Freezes - Not Just for Victims [Re: LoneRanger]
Colt Offline


Registered: 02/28/05
Posts: 1706
Loc: NJ now SC
I have an Equifax Account that has the security freeze and other items and I like it.
IMO, so much better than Lifelock that I had earlier.
_________________________
'17 Honda CR-V Touring AWD Lunar Silver/Black OEM oil & filter
'16 Acura RDX w/Advance Pkg Slate Silver/Black OEM oil & filter

Top
#4483383 - 08/09/17 07:31 AM Re: Credit Report Freezes - Not Just for Victims [Re: LoneRanger]
FirstNissan Offline


Registered: 12/05/10
Posts: 934
Loc: MO
I had read in the past that Lifelock was pretty useless. I used Equifax for a few years and then kinda let things go unfortunately.
_________________________
2017 Toyota Sienna (Hers)
2017 Toyota Sienna (His)

Top
#4483385 - 08/09/17 07:34 AM Re: Credit Report Freezes - Not Just for Victims [Re: FirstNissan]
Colt Offline


Registered: 02/28/05
Posts: 1706
Loc: NJ now SC
I agree on Lifelock.
With LifeLock, you're dealing with a 3rd party.Dealing with the big credit agencies directly makes more sense and Equifax monitoring was a bit cheaper when using the family plan at $29.95 a month or one payment of $299.95 for the year and get two free months.
_________________________
'17 Honda CR-V Touring AWD Lunar Silver/Black OEM oil & filter
'16 Acura RDX w/Advance Pkg Slate Silver/Black OEM oil & filter

Top
#4483434 - 08/09/17 08:43 AM Re: Credit Report Freezes - Not Just for Victims [Re: LoneRanger]
ARCOgraphite Offline


Registered: 05/17/09
Posts: 12037
Loc: N.H, U.S.A.

LR you didn't get that bike from the Guzzi /Ducta dealer near me in Derry New Hampshire = Seacoast Sport Cycle?? My co worker bough a Duke and a Guzzi up there.

BTW, I had my info (which is my life story) stolen by Chinese hackers in that Gvt hack. Was offered free lifelock but I demurred.


Edited by ARCOgraphite (08/09/17 08:47 AM)
_________________________
2014 Nissan Rogue S CVT, OC#9 41392mi-QSUD10W30 + M110A CHAMP Filter; 2017 Subaru Crosstrek CVT OC#2 ?? mi-SOA/Idemitsu 0w20 + SOA Filter

Top
#4483458 - 08/09/17 09:08 AM Re: Credit Report Freezes - Not Just for Victims [Re: LoneRanger]
LoneRanger Offline


Registered: 07/02/07
Posts: 4110
Loc: Midwest USA
No, dealer is in Nevada.

TransUnion offers free credit monitoring. It works. I got a notification same day after I unlocked the credit file during loan approval process for the motorcycle. Notification showed the bank the dealer finances through as an inquiry for new loan. Notifications are only generated on hard hits i.e. actual inquiries for new credit.
_________________________

'09 Subaru Forester ...................(QS HM 5W30)
'16 Moto Guzzi Stelvio 1200 .....(ENI i-Ride PG 10W60)

Top
#4483594 - 08/09/17 11:11 AM Re: Credit Report Freezes - Not Just for Victims [Re: LoneRanger]
dnewton3 Offline



Registered: 05/14/07
Posts: 7409
Loc: Indianapolis, IN
I have been "locked" down on my credit for nearly 10 years now. It's not hard to manage overall.

However, I was unaware of this "new" Innovis entity. I just placed a security freeze with them.

Thanks for the heads up!
_________________________
The act of preventative maintenance, in and of itself, is FAR MORE important than brand/grade/base choices among lubes and filters.
- under maintaining something is akin to abuse/neglect; that can kill equipment by shortening the lifespan
- over maintaining something has never been proven to be anything but a waste of time and money

Top
#4483663 - 08/09/17 12:27 PM Re: Credit Report Freezes - Not Just for Victims [Re: LoneRanger]
MoneyJohn Offline


Registered: 03/01/12
Posts: 178
Loc: Southern NY
I was unaware of Innovis but there are 2 obscure credit bureaus. US bank primarily pulls their credit reports if you apply for a credit card. One of those companies does not even have a website. I can't recollect their names now but Magnify Money has them listed on one of the page (which I can't find at this moment, but I will write them and update this post once I find it).

Mine are frozen for 2 years now. A cop recommended me when I went to file a police report for unauthorized air ticket purchase on my card. The daily credit card offer also stopped, so much less junk.

But as someone said above, I hate to pay $5 or $10 per thaw and refreeze.

P.S. - It is interesting that I have to pay $11.50 to get my own information from Innovis....


Edited by MoneyJohn (08/09/17 12:40 PM)
_________________________
2015 Subaru Forester 2.5i Premium w/ EyeSight
2006 Nissan Sentra 1.8S Special Edition

Top
#4483712 - 08/09/17 01:24 PM Re: Credit Report Freezes - Not Just for Victims [Re: Colt]
Wolf359 Online   content


Registered: 04/27/12
Posts: 4914
Loc: MA
Originally Posted By: Colt
I agree on Lifelock.
With LifeLock, you're dealing with a 3rd party.Dealing with the big credit agencies directly makes more sense and Equifax monitoring was a bit cheaper when using the family plan at $29.95 a month or one payment of $299.95 for the year and get two free months.


That's a little crazy, pay $300 every 14 months so you don't become become a victim? At $300, I think you're already a victim and you mind as well take your chances. Happened to me a while ago, Just a couple of charges. Didn't spend anywhere near $300 getting it cleared. Actually didn't cost me anything and maybe a half hour of time. Had to swear that the charges weren't mine and had to get it notarized which was free at work and also free at a bank.

Top
#4483713 - 08/09/17 01:24 PM Re: Credit Report Freezes - Not Just for Victims [Re: LoneRanger]
Propflux01 Offline


Registered: 09/26/02
Posts: 3416
Loc: Arkansastan
How does this "locking down" help anything if someone's out there using your CC? Seems it's only useful for someone trying to take out a big loan.
_________________________
2014 Hyundai Elantra
2014 Hyundai Elantra GT

A 55 Gallon Drum And A Shovel Can Solve A lot of Life's Little "Problems"

Top
#4483726 - 08/09/17 01:38 PM Re: Credit Report Freezes - Not Just for Victims [Re: LoneRanger]
LoneRanger Offline


Registered: 07/02/07
Posts: 4110
Loc: Midwest USA
It mainly helps against someone using your credit file to get new cards and/or other new credit. But once you've experienced that, and had to get your credit files corrected (major PITA) you'll never go back to being unlocked with your FICO fanny hangin' out in the breeze 24/7.
_________________________

'09 Subaru Forester ...................(QS HM 5W30)
'16 Moto Guzzi Stelvio 1200 .....(ENI i-Ride PG 10W60)

Top
#4484604 - 08/10/17 11:41 AM Re: Credit Report Freezes - Not Just for Victims [Re: LoneRanger]
dnewton3 Offline



Registered: 05/14/07
Posts: 7409
Loc: Indianapolis, IN
Correct - a security freeze on your credit files does not stop CC theft occurrences. But it does stop people from getting new cards, taking out loans, etc.
It can also make your identity less valuable/desirable because what good is knowing a person's personal info if you cannot get money out of their name?

Like most things in life, it's not an "absolute" answer; but it's a good deterrent. Protection isn't about one thing for all applications; it's about layers of defense specifically made for unique applications that make you less desirable than the next fool in line.

No different than my neighbor who leaves his doors unlocked, garage door up, windows visually unimpaired, and owns no "protection".
Whereas we lock doors, have multiple large alarm dogs, motion activated exterior lighting, deter onlookers with blinds, have limited access points, and things that go "bang".
Which is more likely to be burglarized?

Same goes for locking your credit. It's not fool proof, but it's cheap, easy and effective. It makes other people more attractive to mess with than you.



Edited by dnewton3 (08/10/17 11:45 AM)
_________________________
The act of preventative maintenance, in and of itself, is FAR MORE important than brand/grade/base choices among lubes and filters.
- under maintaining something is akin to abuse/neglect; that can kill equipment by shortening the lifespan
- over maintaining something has never been proven to be anything but a waste of time and money

Top