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Free 24 month credit monitoring for Anthem hacking

doboy007 2,468 861 February 13, 2015 at 12:35 PM in Financial Tools & Services (5)
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Last Edited by doboy007 April 2, 2015 at 08:39 AM
https://www.anthemfacts.com/ Starts today 2/13/15

They are providing 24 months of service through AllClear ID. Stupid bastards Mad (Anthem of course). No proof required.

I preemptively put security freeze with all three bureaus.

People who are affected by this hacking should consider placing a security freeze with each of the three bureaus or at the very least place a fraud alert. Unlike security freeze, you only need to submit a fraud alert with one of the three bureaus. The fraud alert will propagate to the other two bureaus. Fraud alert is free, but only lasts for 90 days unless you are an actual victim of identity theft, in which case you can apply for a 7 year fraud alert.

Info on placing security freeze with the three bureaus:

https://www.experian.com/freeze/center.html

https://www.freeze.equifax.com/Fr...IDInfo.jsp

https://freeze.transunion.com/sf/...ngPage.jsp

What is security freeze? (direct quote from Experian)

Security freezes are designed to prevent a credit reporting company from releasing your credit report without your consent. However, you should be aware that using a security freeze to take control over who is allowed access to the personal and financial information in your file may delay, interfere with or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, insurance, government services or payments, rental housing, employment, investment, license, cellular telephone, utilities, digital signature, Internet credit card transaction or other services, including an extension of credit at point of sale.

When you place a security freeze on your file, you will be provided a personal identification number or password to use if you choose to remove the security freeze from your file or authorize the temporary release of your credit report for a specific person or period after the security freeze is in place. To provide that authorization, you must contact the reporting agency and provide all the following:

Sufficient identification to verify your identity.
Your personal identification number or password provided by the credit reporting company.
A statement that you choose to remove the security freeze from your file or that you authorize the reporting agency to temporarily release your consumer report. If you authorize the temporary release of your consumer report, you must name the person who is to receive your consumer report or the period for which your consumer report must be available.

A security freeze generally does not apply to circumstances in which you have an existing account relationship and a copy of your report is requested by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control or similar activities.

If you are actively seeking credit, you should understand that the procedures involved in lifting a security freeze may slow your own applications for credit. You should plan ahead and lift a freeze, either completely if you are shopping around, or specifically for a certain creditor, a few days before actually applying for new credit.

What is fraud alert? (direct quote from TransUnion)

A Fraud Alert is a cautionary flag, which is placed on your credit file to notify lenders and others that they should take special precautions to ensure your identity before extending credit. When you place a Fraud Alert, you can provide a mobile or other phone number for lenders to contact you to verify that the party applying for credit is actually you, not a fraudster.

When you place a Fraud Alert on your credit report with any one of the three major credit reporting companies, that company will notify the other two and fraud alerts will also be placed on those files, too. An Initial Fraud alert lasts for 90 days and may be renewed. Fraud Alerts are available at no charge to consumers who believe they may be victims.
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Last Edited by zeta February 16, 2015 at 10:53 PM
Quote from onedollar View Post :
Tried to sign up and got the following:

Our records show you are already enrolled in AllClear ID protection.

To extend your subscription by redeeming your redemption code, please call AllClear ID customer support at 1-877-441-3004. Our customer support team is available Monday through Saturday from 8 AM to 8 PM Central time.


I guess I was already signed up under another offer. Guess my choice is either to wait for 24 months before signing up again, or call them to extend my existing protection with the redemption code?
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162 Comments

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Joined Nov 2006
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#3
thanks in for another 2 yrs
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#4
and ofcourse my medical insurance is with Anthem.
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#5
Folks who are affected by this hacking should put security freeze with all three bureaus as a precaution. Costs for security freeze vary by state to state ($10 in CA). Also they should contact their financial institutions and ask about their safeguards against unauthorized disbursement of funds.
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#6
Yeah, I think I'm still going to put a freeze on mine and my wife's credit. The kids, well I'll have to sign them up for this since its really the only way to do anything for them.

The patient criminal will just wait 25 months and then strike.
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#7
I have Anthem and haven't been notified... But I am going to use the service. But that's nice. People "may" have my social security number, which would be forever... So how would 2 years cover it?
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#8
Quote from Straycat76 View Post :
Yeah, I think I'm still going to put a freeze on mine and my wife's credit. The kids, well I'll have to sign them up for this since its really the only way to do anything for them.

The patient criminal will just wait 25 months and then strike.
I think you can put security freeze for them, especially if they are young and they don't need to access their credit for a while.

Quote from shadowhawk2020 View Post :
I have Anthem and haven't been notified... But I am going to use the service. But that's nice. People "may" have my social security number, which would be forever... So how would 2 years cover it?
It should be covered for life! Bastards Mad
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#9
I had Anthem thru my previous employer 8 years ago. Am I affected? Haven't received any mail.
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#10
Quote from madshakes View Post :
I had Anthem thru my previous employer 8 years ago. Am I affected? Haven't received any mail.
It goes as far back as 2004 per website. You shouldn't wait for some dumb notification.
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#11
Quote from doboy007 View Post :
I think you can put security freeze for them, especially if they are young and they don't need to access their credit for a while.



It should be covered for life! Bastards Mad
I called one of the bureaus and the way they explained it to me was, with kids, if they do not have a line of credit, credit cannot be frozen. So I'm basically out of luck. I wish someone would make it law that childrens credit is frozen until they are 16 or something.
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#12
I am not customer but signed anyway..
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#13
ALLCLEAR is crappy. There's nothing but a 'clear' status page. At least the protectid offered by homedepot (maybe target as well) offers you details.
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#14
Quote from Straycat76 View Post :
I called one of the bureaus and the way they explained it to me was, with kids, if they do not have a line of credit, credit cannot be frozen. So I'm basically out of luck. I wish someone would make it law that childrens credit is frozen until they are 16 or something.
Was not aware. That sucks!

Quote from pandy00 View Post :
ALLCLEAR is crappy. There's nothing but a 'clear' status page. At least the protectid offered by homedepot (maybe target as well) offers you details.
Haven't signed up since I use a different service currently. But maybe AllClear PRO service is better since they are offering that service.
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Last edited by doboy007 February 13, 2015 at 01:32 PM
#15
Quote from doboy007 View Post :
Was not aware. That sucks!


Yeah, and my kids are 16, 2, and 8 months... two years of credit monitoring will do nothing for the two little ones laugh out loud
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