Bank Fraud

Quote from spyderdsm : or freeze is the best answer at this point?

do you plan on opening any new credit cards/loans soon in the future?

Quote from slapshot136 : do you plan on opening any new credit cards/loans soon in the future?

No. But when i see a sign up bonus I take the money like the last NFL card deal ...But I did take your advice and just put a freeze on all 3 credit reports which was fairly easy by the way. Rep to you!!

Quote from spyderdsm : No. But when i see a sign up bonus I take the money like the last NFL card deal ...But I did take your advice and just put a freeze on all 3 credit reports which was fairly easy by the way. Rep to you!!

well you might not get the instant approval, but it should be just as easy to allow access to that particular company for a month or so, then you will get the card (or not) as normal

Quote from spyderdsm : I pulled all 3 reports back in november and been checking with creditkarma every 2 days or so. Should I consider just putting a fraud alert instead or freeze is the best answer at this point?

A fraud alert with all three bureaus won't hurt, but it's no substitute for a credit freeze.

Think of it this way: Let's say you have a second house with a lot of valuable things in it and you don't want anyone to take them from you. You can either:

A. Leave the doors unlocked and open, but check on your valuable belongings everyday to make sure they're all still there and hope everyday that no one has taken anything.

or

B. Lock all the doors and get a high security system installed, therefore, allowing you to rest easy knowing your valuable belongings are safe and sound.

Checking your credit report daily and fraud alerts (such as the waste of money credit protection programs offered by credit card operators, banks, and companies such as LifeLock) are like Option A.

Freezing your credit is like Option B.

Quote from spyderdsm : No. But when i see a sign up bonus I take the money like the last NFL card deal ...But I did take your advice and just put a freeze on all 3 credit reports which was fairly easy by the way. Rep to you!!

Great decision.

ok..so I put the lockdown..Here is what I have done so far....
-credit freeze on all 3 credit reports
-credit fraud alert on all 3 credit reports
-contacted the IRS in ref to potential fraud
-filled out report with FTC
-filled out police report

Did I miss anything else?

Quote from spyderdsm : Did I miss anything else?

ask for a new SSN if it would make you feel safer, but I think that should be enough.. all that's left is for you to move on and not worry about it too much

Quote from spyderdsm : ok..so I put the lockdown..Here is what I have done so far.... -credit freeze on all 3 credit reports -credit fraud alert on all 3 credit reports -contacted the IRS in ref to potential fraud -filled out report with FTC -filled out police report Did I miss anything else?

Perfect. You did everything you needed to do.

Don't worry about applying for a new social security number. They won't give you one, you don't need one, and it would create more problems than solutions.

Great job on handling this so quickly and thoroughly.

Quote from Brian1 : Perfect. You did everything you needed to do. Don't worry about applying for a new social security number. They won't give you one, you don't need one, and it would create more problems than solutions. Great job on handling this so quickly and thoroughly.

and for peace of mind, Im also monitoring my credit via creditkarma. So if any new hard credit inquiries or any new accounts hit my credit report I will know asap...

I just pulled my equifax credit report(free if you are a potential victim of id theft). Everything shows fine, all accounts paid as agreed(total debt $40 on my discover). It even shows that I have put a credit fraud alert and credit freeze...

Quote from spyderdsm : I just pulled my equifax credit report(free if you are a potential victim of id theft). Everything shows fine, all accounts paid as agreed(total debt $40 on my discover). It even shows that I have put a credit fraud alert and credit freeze...

Good to hear.