Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 03-02-2016, 09:54 AM   #21
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
easysurfer's Avatar
 
Join Date: Jun 2008
Posts: 7,885
When I got my tax info hacked. I decided to just pay for the the freezing to get this done instantaneously online.

But, here's a link on the topic from Experian (not sure about other credit reporting companies):

https://www.experian.com/consumer/ca...56&type=victim

https://www.experian.com/consumer/upload/

Looks they they have a send through postal mail option or upload the documents electronically. When I got my info hacked, I was like a fish out of water a few days (crash course on ID theft ).

I'm not sure if once you are a victim, you can freeze anytime in the future for free, or is this a one time deal.
__________________

__________________
Have you ever seen a headstone with these words
"If only I had spent more time at work" ... from "Busy Man" sung by Billy Ray Cyrus
easysurfer is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 03-02-2016, 10:09 AM   #22
Thinks s/he gets paid by the post
 
Join Date: Sep 2006
Posts: 1,318
When I was a victim of fraud 15 years ago the three credit bureaus added a statement to my report that read something to the effect that no credit to be issued under my name without talking to me. This statement was good for 7 years. When it was removed from my report I initiated a freeze at a cost of $5 with one bureau and $10 with the other two. A year ago I had to temporarily unfreeze it at a cost of $5 for two bureaus and at no cost for the 3rd.
__________________

__________________
Corporateburnout is offline   Reply With Quote
Old 03-02-2016, 10:30 AM   #23
Recycles dryer sheets
 
Join Date: Sep 2012
Posts: 91
The cost to freeze and unfreeze your credit varies by state. I live in NY and was able to freeze for free. To thaw, I have to pay $5 for each service.

If you are a victim of fraud, you can get a credit REPORT for free. Freezes/ thaws are different than a credit report.

You can also get a free report once a year from each bureau.

Hope this helps
__________________
Likes_to_Lurk is offline   Reply With Quote
Old 03-02-2016, 11:01 AM   #24
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Chuckanut's Avatar
 
Join Date: Aug 2011
Location: West of the Mississippi
Posts: 6,328
Over 65 is free, from what I have heard.
__________________
The worst decisions are usually made in times of anger and impatience.
Chuckanut is offline   Reply With Quote
Old 03-02-2016, 11:10 AM   #25
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
audreyh1's Avatar
 
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 16,467
Quote:
Originally Posted by easysurfer View Post
When I got my tax info hacked. I decided to just pay for the the freezing to get this done instantaneously online.

But, here's a link on the topic from Experian (not sure about other credit reporting companies):

https://www.experian.com/consumer/ca...56&type=victim

https://www.experian.com/consumer/upload/

Looks they they have a send through postal mail option or upload the documents electronically. When I got my info hacked, I was like a fish out of water a few days (crash course on ID theft ).

I'm not sure if once you are a victim, you can freeze anytime in the future for free, or is this a one time deal.
But I saw from another thread that you did report it to the police, and you did

It sounds like a letter from the IRS saying someone had accessed your account is enough to establish ID theft.

Of course that pretty much proves ID theft in that someone else had at least your DOB and SS# and attempted to use them.

I'm still trying to figure out whether the letter from Experian is enough for DH to go get a police report or DPS ID theft incident report.

Apparently a fraudulent credit card charge is enough to get an Identity Theft affidavit from the FTC. I had a couple of fraudulent charges in Dec 2015 that I had to call in and protest. So I filled out the information at identitytheft.gov and I know have an affidavit that I can take to a notary or the police department. That might work for me. Still trying to find a solution for DH.
__________________
Well, I thought I was retired. But it seems that now I'm working as a travel agent instead!
audreyh1 is offline   Reply With Quote
Old 03-02-2016, 11:36 AM   #26
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
easysurfer's Avatar
 
Join Date: Jun 2008
Posts: 7,885
Quote:
Originally Posted by audreyh1 View Post
But I saw from another thread that you did report it to the police, and you did

It sounds like a letter from the IRS saying someone had accessed your account is enough to establish ID theft.

Of course that pretty much proves ID theft in that someone else had at least your DOB and SS# and attempted to use them.

I'm still trying to figure out whether the letter from Experian is enough for DH to go get a police report or DPS ID theft incident report.

Apparently a fraudulent credit card charge is enough to get an Identity Theft affidavit from the FTC. I had a couple of fraudulent charges in Dec 2015 that I had to call in and protest. So I filled out the information at identitytheft.gov and I know have an affidavit that I can take to a notary or the police department. That might work for me. Still trying to find a solution for DH.
I did go to the police to have a record as a victim and also filled out the affidavit from the FTC. But when time came to freezing my credit, I just went ahead and did that online instead of going the free method, partially as a matter of convenience and fear (again the fish out of water) not wanting the idea of my SSN floating around in some underground market, so I froze as soon as possible.

I did want a notarized record for fear that if say, as a result of someone pretending as me, I get stopped by the police, I can say, no I'm a victim of ID theft and didn't commit the crime. At least that way I have notarized, documented proof that my ID was stolen on such and such date and I reported it.
__________________
Have you ever seen a headstone with these words
"If only I had spent more time at work" ... from "Busy Man" sung by Billy Ray Cyrus
easysurfer is offline   Reply With Quote
Old 03-04-2016, 09:26 AM   #27
Thinks s/he gets paid by the post
 
Join Date: Nov 2009
Posts: 3,864
Quote:
Originally Posted by Likes_to_Lurk View Post
The cost to freeze and unfreeze your credit varies by state. I live in NY and was able to freeze for free. To thaw, I have to pay $5 for each service.

If you are a victim of fraud, you can get a credit REPORT for free. Freezes/ thaws are different than a credit report.

You can also get a free report once a year from each bureau.

Hope this helps
I live in NY and it was free to freeze my credit report last year after Empire/Anthem got hacked. I had to thaw it for a day when I wanted to increase my credit line a few months later. At least I had printed out and stored my PIN which made it pretty easy via conference call with me, my bank, and the credit agency the bank uses. No charge for the thaw, either, at least that first one.
__________________
Retired in late 2008 at age 45. Cashed in company stock, bought a lot of shares in a big bond fund and am living nicely off its dividends. IRA, SS, and a pension await me at age 60 and later. No kids, no debts.

"I want my money working for me instead of me working for my money!"
scrabbler1 is offline   Reply With Quote
Old 03-04-2016, 09:33 AM   #28
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Chuckanut's Avatar
 
Join Date: Aug 2011
Location: West of the Mississippi
Posts: 6,328
I have requested a one time access pin number from a credit bureau. I provided the pin to the bank, they used it to get one copy of my report, and that's all it's good for. No charge.
__________________

__________________
The worst decisions are usually made in times of anger and impatience.
Chuckanut is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
When/if to freeze credit? Fermion FIRE and Money 12 09-13-2014 01:38 PM
Why Doesn't Everyone Freeze Their Credit? golftrek Other topics 34 01-28-2014 08:01 PM
Credit report and credit card offer for a person with no SSN noelm Other topics 1 05-24-2013 09:44 PM
Credit Freeze Experiences Chuckanut Other topics 20 08-11-2012 11:34 AM
The Real Cause of the Credit Freeze? audreyh1 FIRE and Money 20 10-10-2008 07:44 PM

 

 
All times are GMT -6. The time now is 04:09 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.