If your credit's frozen, monitoring is not going to add any value except, perhaps, if you thaw it long enough to get a new credit card or something.
I'm not sure about that. The credit rating agency does not authorize credit, only records credit and other activity reported to them. A freeze does not prevent accounts from being opened in your name.
backing off saying no one has ever asked that before. I didn't push it and said I'll just wait for the report (I gotta pick that up in about 10 days).
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They shouldn't open any account when your credit is frozen. Some businesses will go ahead and do so anyway, probably because the risk / reward structure encourages employees to do so. AT&T just opened a new account in my name, with a service address that is not mine, even after sending me a notice stating they would not do so because my credit report is frozen and they were unable to verify whatever it is they verify.
I just got a notification letter from the IRS today.
You got the IRS notification today? If so, I feel your pain. I really do
Bummer. I thought you were just joking about that bogus return filed. I hope when you look at the credit reports there aren't any phony accounts opened under your identity.
That link I gave in a prior post outlines what steps to take. At least having a plan makes things feel less dire.
Nothing on the credit report. I have them automatically notify me of any inquiries.
Been working (bad word around here, I know) more on my ID Theft situation. Here's a good site that tells what sort of steps to take:
https://www.identitytheft.gov/
On step 3 is to report the theft to the FTC. I did that online. On Step 4 is file a report with your local police department.
I just came back from my local police department. When I first told the officer why I was there, he kind of chuckled and then I said, "You've seen something like this before?" and he said yes. I showed him my letter and he took down some info that asked too to make sure the letter was legit. So, we talked about that for a moment. Overall he was helpful.
I brought in my printed affidavit that I filled out earlier. There's a section for the officer's signature if filing a report in person. When I asked, can he do that, he freaked out
From what I learn is the affidavit and police report is to CYA in case in the future, say someone breaks the law under your identity or screws up you credit, then you have proof as a victim instead of getting asked "Did you call the police?. How do we know the crook wasn't you?" Plus, the report shows you are victim for freezing and unfreezing your credit reports.
That's what I'm thinking. Because in your case they know someone specifically tried use your identity = ID theft.
I haven't started filing my taxes yet. Fingers crossed that my security PIN isn't stolen. So crazy that IRS would sent the PIN by mail but then also allow for the PIN retrieval by their website.
