I wanted to share and pass this very important information on to all members. Years back someone had stolen my identity one month after I had filed bankruptcy but they got turned down and I received a denial letter. So identity theft can happen to anyone with even bad credit. Equifax offers a credit freeze for $ 2.00 more per month if you do the monitoring through them. You can freeze and unfreeze the report online almost when ever you like. You can also add a consumer statement in the same format as a fraud alert. A statement is when you are not a victim of identity theft. I puts an extra layer of protection. One important thing is it is not fool proof. Id theft can still happen.
Here is one thing that you can do if you see an unauthorized inquiry. Contact the name of the business that is listed in the inquiry and demand that they tell you why did they pull your credit when you did not give permission to do so. There are times when that will go faster. Then of course check the rest of your reports. Pull from all three. It may seem like a hassle because of the time spent but compare that to hundreds of dollars it may cost you to get your good name & credit back.
