![]() ![]() With how frequently we see data breaches and sensitive data exposure, the likelihood is high that your SSN is floating around on the dark web somewhere. This can also be done for people who you know won't need to apply for credit at all or any time soon, such as children, elderly, or disabled people. When/if I apply for credit, I can go in and schedule a "thaw" for a period of time, which takes less than 5 minutes. Now, I keep a freeze on my reports at all times. Thankfully they were not successful in their credit application. I ultimately filed a police report, disputed the application, and had it removed, but it was a pain in the neck and was something I shouldn’t have had to do at all. I found out about this a couple years ago when I noticed a fraudulent credit application on my Equifax report. There is literally no downside to doing this, except for the small bit of friction that comes with having to unfreeze your credit when you want to get a new credit card, car loan, etc. You can set up freezes for free with all of the bureaus, and it only takes a few minutes. While all 3 credit bureaus have decent fraud detection to help reduce the risk of identity theft, keeping a freeze on your credit reports prevents new credit from being opened altogether. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit. Get your financial house in order, learn how to better manage your money, and invest for your future. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests. ![]() If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports. They are required to keep records that allow them to list that negative information on your report. As much as credit card companies, loan companies, banks or debt collectors can tarnish your credit and financial freedom with a single keystroke, the USA has laws for the consumer - YOU! As much as a car repo company wants to list a $8000 debt on your report it is your legal right to challenge the validity of that debt and the bureaus themselves.No academic studies / surveys without approval - All surveys / studies must have prior r/credit mod approval and must have IRB approval. This includes buying tradelines, CPNs, etc. No promoting fraud - Posts or comments encouraging others to commit fraud will be removed and will result in a permanent ban. Attempts to work around automod will result in a permanent ban. ![]() Please see the wiki to see the general r/credit consensus on using such companies. ![]() No credit repair company / services posts - No posts asking about hiring a credit repair company or service are allowed. Violation is an immediate and permanent ban. This sub-reddit is for sharing information directly in the community. No Self-promotion - No self promotion of your services, products, videos, etc. No Link Shorteners/Referrals - Any use of a link shortener or referral will result in an immediate and permanent ban. Insults, slurs, name-calling, going off topic, personal attacks, etc. You will not be welcome in this sub if you attack others.
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