Thanks Tusc. Now, if only the thread ratings system were still active ...
Tuscani wrote:Good post.. This helps people understand the differences between freeze and FA.
masdeocho wrote:Fraud alert = CRAs are supposed to contact you if anyone tries to open credit in your name. You need to verify that you have authorized it (i.e., that you're the applicant). This is a procedure that's intended to be used only if you believe you've been the victim of fraud or identify theft.Freeze = No one can open credit in your name. If you want to apply, you have to give the security PIN and wait a few days for the thaw. About half the states have it. Some charge you a fee to freeze, unfreeze, or both. This is a procedure that anyone (if they live in the right state) can use. I've noticed that some of the CRAs discourage it. IMHO it should be available with liberty and justice to all.
masdeocho wrote:Thanks Tusc. Now, if only the thread ratings system were still active ...
Tuscani wrote:Good post.. This helps people understand the differences between freeze and FA.
masdeocho wrote:Fraud alert = CRAs are supposed to contact you if anyone tries to open credit in your name. You need to verify that you have authorized it (i.e., that you're the applicant). This is a procedure that's intended to be used only if you believe you've been the victim of fraud or identify theft.Freeze = No one can open credit in your name. If you want to apply, you have to give the security PIN and wait a few days for the thaw. About half the states have it. Some charge you a fee to freeze, unfreeze, or both. This is a procedure that anyone (if they live in the right state) can use. I've noticed that some of the CRAs discourage it. IMHO it should be available with liberty and justice to all.
No kidding!