@barca wrote:
@FinStar wrote:
@barca wrote:
good you caught it on time.
As a general rule - try to freeze all your credit report 24/7, except when you want to apply.
With so many online theft and hacking going on - I still wonder why people still leave thier credit report open.
@barca- are you suggesting that the entire US population that has access to their reports have them completely locked/frozen? That's almost like saying... with so many pedestrian crosswalk accidents - I still wonder why people use a crosswalk.
@FinStar I don't get your point.
if you use a crosswalk and you are green to go - if a car hits you, at least the law is fully on your side, as supposed to jaywalking.
if your credit is frozen, at least you have done your own part to minimize theft.
when scammers send email to people asking for them to help move some money - if the entire population knows it is a scam - the scammers willl be out of business.
but some part of the population will still communicate with the scammers.
The part of that population you choose is your choice and how informed you are
At the end, it is your choice if your report is frozen or not.
I just don't see how the advantages of your report opened will outweigh the hassles of credit fraudulently taken in your name.
Maybe some decades ago, there was not much online theft, but these days it is too rampant not to advise people to take proactive action
Maybe you can clarify what you are trying to imply.
The point is, even with a green light, pedestrians using the crosswalk (by right of way) still get hit -- that's my point. It will still happen regardless if the law is on your side. The law doesn't eliminate accidents from happening. It be like that sometimes.
Also, it's 2021 and heading into 2022. You would think that by now given all levels of sophistication in fraud prevention measures that scammers would be out of business, right? Well, they aren't. It's a lucrative billion dollar business worldwide. The industry does its best to keep ahead of the curve, but frankly there will always be new levels of sophistication that fraudsters will come up to prey on innocent individuals and circumvent most security safeguards and protocols.
And, while information is key to prevention, it doesn't always cascade to everyone even with as much social media presence and channels.
And, as you pointed out, even with you heeding caution and/or proactiveness, it's up to individuals to make those choices themselves.
At any rate - back on topic to the OP's thread.
