Join Early Retirement Today
View Poll Results: Do you check your Credit Report as a Precaution to Identity Theft
Check it regularly (subscribe to a service) 2 5.41%
Check it 3 times a year using the free credit reports 12 32.43%
Check it once a year using the free credit reports 13 35.14%
Check it only when a situation arises using free credit reports 3 8.11%
Never Check my credit reports 7 18.92%
Voters: 37. You may not vote on this poll

Reply
 
Thread Tools Search this Thread Display Modes
Identity Theft - Credit Reports
Old 08-31-2008, 09:45 AM   #1
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Feb 2007
Posts: 5,072
Identity Theft - Credit Reports

Do you check your credit report as a precaution against Identity Theft?

Do you take other measures as a precaution? (Please comment on other precautions)


I was informed several years ago that some information had been stolen. I was given free Credit reporting service for a year. I checked my report several times throughout that year. I also put a fraud alert in with the credit reporting agencies several times during that year. Since then, I check my credit reports at least once a year using the free service. If some situation occurred, obviously, I would monitor it more frequently.

I also put an Identity theft rider on our home insurance policy. It did not cost much... it covers legal fees, other fees to undo the damage and lost wages.
__________________

__________________
chinaco 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 08-31-2008, 10:48 AM   #2
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
harley's Avatar
 
Join Date: May 2008
Location: Following the nice weather
Posts: 6,430
I've checked it yearly for a long time, and now that they offer the 3 free checks, there's no reason not to. Mostly just curious, but I also liken it to locking my doors when I leave the house. If I fail to do something so simple, it's partially my own fault if something bad happens.

I do the FICO thing every couple years, just to see the score. It used to only be $12, but I think the price is increasing with the new attention.

I'm not sure about the rules in my new state of MD, but if they allow credit freezes without having to prove ID theft, I'll probably do it. I'm also going to re-up on all the do-not-contact lists. I don't know whether it's due to the move, or if my 5 years is just up, but I'm starting to get a ton of unsolicited mail again, and the phone calls are trickling in too. Mostly mortgage and financial phone spam.

I'm not buying into the ID theft insurance. You aren't liable for most losses, and the insurance doesn't do anything for all the hours and frustration you have to spend clearing it up. But as with all insurance, if it makes you fell better, maybe it's worth it.
__________________

__________________
"Good judgment comes from experience. Experience comes from bad judgement." - Will Rogers, or maybe Sam Clemens
DW and I - FIREd at 50 (7/06), living off assets
harley is offline   Reply With Quote
Old 08-31-2008, 01:49 PM   #3
Recycles dryer sheets
 
Join Date: Oct 2005
Posts: 325
I subscribe to LifeLock. $10 a month and they continually put fraud alerts on your credit report. They also have a similar "insurance" type service that if your identity does get stolen, they will help you get it all fixed. They've just added a lost wallet feature that also helps when you lose your wallet. Cancels all your cards and such.

I got some discount through the NRA so I think I'm only paying $9 a month or less.
__________________
CybrMike is offline   Reply With Quote
Old 08-31-2008, 06:54 PM   #4
Full time employment: Posting here.
Darryl's Avatar
 
Join Date: Mar 2007
Posts: 577
One grade A shredder for anything financial.

Free credit report every 4 months (3 agencies 1 per year)

and an identity theft rider on the homeowners policy I think it's less than $20 per year.
__________________
I highjacked a rainbow and crashed into a pot of gold - Bon Jovi
Darryl is offline   Reply With Quote
Old 08-31-2008, 07:11 PM   #5
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
mickeyd's Avatar
 
Join Date: Apr 2004
Location: South Texas~29N/98W
Posts: 5,884
I do it annually, all 3 at once. I use "annual credit report" not "free credit report" that the quiz asks about.
__________________
Part-Owner of Texas

Outside of a dog, a book is man's best friend. Inside of a dog, it's too dark to read. Groucho Marx

In dire need of: faster horses, younger woman, older whiskey, more money.
mickeyd is offline   Reply With Quote
Old 08-31-2008, 09:51 PM   #6
Full time employment: Posting here.
Darryl's Avatar
 
Join Date: Mar 2007
Posts: 577
Yes, www.annualcreditreport.com is the one tha is actually free if you don't ask for the extra's like your score.
__________________
I highjacked a rainbow and crashed into a pot of gold - Bon Jovi
Darryl is offline   Reply With Quote
Old 09-01-2008, 02:37 AM   #7
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Feb 2007
Posts: 5,072
Quote:
Originally Posted by mickeyd View Post
I do it annually, all 3 at once. I use "annual credit report" not "free credit report" that the quiz asks about.
Free being the traditional meaning... not a company.

Why not spread them out so you can check the status every 4 months or is a problem arises?
__________________
chinaco is offline   Reply With Quote
Old 09-01-2008, 07:43 AM   #8
Moderator
Walt34's Avatar
 
Join Date: Dec 2007
Location: Eastern WV Panhandle
Posts: 16,544
We check them 3 times a year, spaced equally, one bureau each time. I don't bother with the insurance programs as being a former fraud investigator I know what to do.
__________________
I heard the call to do nothing. So I answered it.
Walt34 is offline   Reply With Quote
Old 09-01-2008, 08:04 PM   #9
Recycles dryer sheets
 
Join Date: Apr 2007
Posts: 292
I finally got around to checking my credit report for the first time. One had my birthdate wrong (digit transposition) and one had my only active credit card listed as "in dispute", but the other two showed it as perfectly up to date and paid on time.

I was surprised that they did not have my mortgage that was paid off several years ago since that is my only real proof of paying things since other than the credit card that I pay in full every month I have not used credit.

I did not find out my credit score, but recently I changed insurance and the agent checked since it affected my rate and told me I had excellent credit score but not the exact number.
__________________
joesxm3 is offline   Reply With Quote
Old 09-02-2008, 04:46 AM   #10
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Feb 2007
Posts: 5,072
When I first checked my credit report several years ago, there were several accounts open where we had purchased items on credit at stores to get a discount and 90 days same a cash. We closed those accounts.

We found no inaccuracies.


I like the idea of putting a freeze on the report. Unfortunately, it comes with a cost. I wish our state would pass a law that mandates it to be free. IMO - I should not be charged for that... Any cost should be the credit reporting agencies cost of doing business.
__________________

__________________
chinaco 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
identity theft Corporateburnout Other topics 21 10-27-2006 05:00 PM
Identity Theft - Maybe Eagle43 Other topics 6 06-11-2006 04:19 PM
Identity Theft Scam Eagle43 Other topics 1 02-13-2006 06:14 PM
Identity Theft haha Other topics 10 11-20-2003 11:38 AM

 

 
All times are GMT -6. The time now is 08:08 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.