Posts Tagged ‘ security alert ’

Checking to see if your children have credit reports

Dear Experian, How do I check to see if my children have open credit reports? The form requires a driver's license number, which they do not have. - WMV

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Security freezes are not shared among the national credit reporting companies

Dear Experian, Does placing a security freeze at one credit agency extend to all three credit agencies like a fraud alert? - SCB

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Who is notified when your credit file is frozen

Dear Experian, I have a credit freeze. If someone tries to establish credit without my pin code, what is the exact response they get from you? Do you tell them that they can not establish new credit because the account is frozen? - HEV

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Fraud alert may slow loan approval but shouldn’t prevent it

Dear Experian, I recently lost my wallet, which contained my ATM card and my driver’s license. Although the card was cancelled within an hour of being lost, the person made one successful purchase with it. My concern is that they now have my driver’s license, which did not have my Social Security number on it. I understand that I can flag my SSN with the credit bureaus to report any fraudulent activity. Although I have a credit rating in the 800's, will this flag prevent me from obtaining a car loan that I will be seeking in the near future? Is this flag something you would recommend even though my Social Security number wasn't on my license? - AAR

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Fraud security alerts can slow mortgage approval

Dear Experian, I recently placed a 90-day fraud security alert on my credit history though Experian. Will that affect my ability to be approved for a mortgage? - ITR

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The effect of fraud security alerts on credit scores

Dear Experian, I was recently notified by a college that I attended that the admissions office computer files had been hacked into and that I should notify all three major credit bureaus to flag my credit history in case of identity theft. Does this "flagging " of my credit affect my FICO score? - LBS

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What to do when items are stolen from your car

Dear Experian, Last night, a fairly sophisticated ring apparently swept through my neighborhood stealing from cars. Unfortunately, my wallet was stolen with my driver’s license, and yes, stupidly, my Social Security card. Worse, an external hard drive was also taken that had tons of personal, financial information. While much of it was in a password protected document, there was also several years’ worth of statements from many of my accounts. What is the best way to protect yourself if you feel someone may have every bit of information they would need including account numbers, Social Security numbers, etc? How can you feel secure beyond the initial 90 days? - EER

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Adding a fraud alert does not hurt credit scores

Dear Experian, Does adding a security alert raise your credit score or affect it in any way? - WCB

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Removing a fraud alert after verifying you are not a victim

Dear Experian, Is it a problem if I do not remove a fraud alert once I have confirmed that no breach was possible? Or do I have to remove the alert? I assume having the alert for 90 days is OK since I can prove who I am and do not expect to apply for any new credit. - AJY

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You will not receive a notice to remove a fraud alert

Dear Experian, I have not been contacted to lift a fraud alert on my account to approve a recent credit inquiry. Should I receive a request to remove the alert when I apply for credit? - JWL

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How to add a telephone number to a fraud alert

Dear Experian, How do I add a telephone number to an extended credit alert? - LKK

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Fraud alert stopping satellite TV application

Dear Experian, I cannot sign up for satellite television because they say we have a fraud alert attached to our credit history. We do not need a fraud alert. How do we get rid of it? - FCS

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Actions to take after receiving a security breach notification

Dear Experian, I work for a school district and its information has been hacked. They advised us to contact the credit companies. What I should do to protect myself? They are not sure how much information was stolen, and the hackers are threatening to release the information to the public. Please tell me what I need to do. - AAD

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Fraud alerts do not interfere with making credit card purchases

Dear Experian, Am I able to use my credit cards with a fraud alert? - AJL

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How to remove a fraud victim statement from your credit report

Dear Experian, Can I cancel a fraud victim statement so I'm not asked a billion questions anymore when I apply for a loan? - RST

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Protecting your children from identity theft

Dear Experian, Identity theft is a growing problem for children. Can I put a security freeze on my three-year-old daughter's file even though there most likely is no activity? If this is not possible can I call to see if there is activity under her Social Security number? - MJJ

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Steps to take after wallet is stolen

Dear Experian, I had my wallet stolen. My entire life was in my wallet including a check book, my Social Security card, driver's license, identification and passwords to all my personal information, and all my credit cards. I have cancelled all my credit cards but am afraid that they will use my information for other reasons. As it is my credit is not great. What should I do? - MJG

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Check your credit accounts for fraud after checking account is compromised

Dear Experian, I just had to destroy my debit card because someone overseas charged over $1,200 on my card. What steps do I need to take to ensure they do not attempt to use my information in the future? - AJG

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Steps to take after vehicle burglarized

Dear Experian, Our vehicle was broken into and confidential identity information might have been accessed. Does this warrant obtaining a security freeze? If so, how long can I expect for it to take place? - CND

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Military personnel can add an Active Duty Alert

Dear Experian, As a member of the Army currently overseas, what can I do to protect my credit? I heard something about placing an "active duty alert" on my credit that only allows credit to be opened if I directly approve. - MCL

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Removing a fraud alert from your credit report

Dear Experian, How do I get a fraud alert removed from my credit report? - DIB

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Adding a fraud security alert and opting out

Dear Experian, How do I opt out online as I am an identity theft victim and am taking care of all this? I want to opt out immediately. - JRK

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