I do, but for some reason it just dawned on me a few days ago that there’s basically a 0% chance my wife has her credit frozen, uses a password manager, and takes other basic security precautions needed in 2022. Guess I need to freeze hers too
Three fucking faceless credit agencies you never spoke with or interacted with completely control your ability to buy or rent anything and can completely fuck up your life through no fault of your own and face no consequences for it? This is an excellent system that needs no changes.
I've been expose in a number of breaches by companies I've never dealt with. I get that's not the way credit companies work but it's infuriating. There's literally nothing you can do about it... Except buying protection from some other company!
There was a 5-6 year stretch where I was always eligible for 12 free months of credit monitoring due to a breach. Shit’s exhausting.
I just use Credit Karma to monitor my stuff. Bought a new car and the app alerted me to a new account within a week. Seems easy enough.
I get people trying to buy stuff in like Bangladesh every once in awhile even though my card number has changed multiple times during the time span
the fact that this is just a normal part of society and the responsibility of resolving it falls completely on the victim is so cool
The concept of a credit score is absurd. It's a financial horoscope. Don't check what your score is too many times or your score will go down.
Yep, no reason not to unless you're constantly applying for credit cards and loans legitimately. Had a friend several years ago deal with this and froze my credit right after hearing about it thinking I was dumb as shit for not doing so before.
I like getting endless scam calls. My phone regularly tries to steal my money. Nothing can be done about it for some reason.
You have to go to each of the Big Three credit companies' websites and do it there, not really that hard.
how tf do they do credit in other developed countries? I honestly have no idea but assume it will annoy tf out of me
Yup. Think I’ve done 3 car loans since I started freezing credit. Once we agree on numbers, I’ll unfreeze it for a day for the credit check for loan, and then it’s back to frozen.
the fun part is you used to have to pay them to do so, not sure (mine has been frozen for years) but think/hope they can’t do this anymore
You got got fair and square and it's a really good rate so I think the only honorable thing is to pay it off.
I think it was a small fee the first time I unfroze it, but then after one of the big breaches it became a free service to free/unfreeze.
It was free I just had to create accounts with each of the credit bureaus, which in turn I'm sure will be compromised at some point, in order to freeze it
How difficult was it to file a police report? Police not very interested in this adding this stuff to their plate. I didn't go into the police station but could not get a police report filed by phone, they wanted nothing to do with it.
Fun story time! When I went through boot camp, I opened an account with Navy Federal like almost every 18 year old does. I never used the account because all of my banking went through a home FCU at the time. They gave me two books of checks that I immediately forgot about. When I got stationed in Pensacola for A-school, a guy I knew from boot camp and I ended up in a 3-bed room together because it was totally empty. About 2 weeks after we moved in, we got a third roommate who had actually been assigned to the room for months but had been in the hospital for a few weeks. I have a number of amazing stories about this dude from a very short amount of time rooming with him but the very last one is that he decided to go AWOL a couple months after we met him. He was nice enough to swipe those checkbooks from my desk in the room and write about a dozen bounced checks(almost exclusively to Walmarts) on an account that had always had a zero balance. They caught him trying to paddle across Pensacola Bay on a child's kickboard, high out of his mind, and he ended up in essentially the brig. I spent the ensuing weeks clearing up the bounced checks.
CreditKarma, Discover and Identity Guard. have all three. I literally get my shit blown up via call email or text if new credit is open. Even if someone verifies my identity I get verified. Identify Guard is specifically worth it.
Twitter is now showing me Lake Michigan credit union ads as a result of this thread. This scam goes much deeper than I ever could have imagined.
Last time this happened to you you just tied the guys up and told them that you weren't wearing hockey pants
They sure do care about petty theft but when people steal tens of thousands in identity theft situations they’re like yeah not sure what you expect us to do.
I called the "Non-emergency" number, told them what happened over the phone, how I needed the filed report in order to start the process. Had police at my door in an hour. The police were very accommodating and it took 15 minutes. I can grab the report in 4 days.
It's not like I'm calling fucking Matlock to crack the case. I need a sheet of paper that says I started the process; they are responsible for filing that paper.