Free 24 month credit monitoring for Anthem hacking
Deal DetailsLast Edited by doboy007 April 2, 2015 at 08:39 AM
They are providing 24 months of service through AllClear ID. Stupid bastards (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:
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.
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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