Posts Tagged "security alert"

Freezing your credit file doesn’t affect current credit accounts

Dear Experian,

I just lost my driver’s license and am considering putting a security freeze on my credit files. Would placing a freeze on my credit files interfere with me using my credit card, either online, at shops or for the services that are automatically billed to my credit card each month?

– DBH

What it means when there are name and social security number variations

Dear Experian,

What do I do when two names and Social Security numbers are on one credit report?

– KCH

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

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

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

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

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

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

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

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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