Ways for someone to steal your identity a) Scamming you via email. b) Paying for a data breach on the dark web c) Stealing your mail d) resetting the PIN on your Experian credit freeze

The above title says almost everything. However, a few more details may be found in the Yahoo Finance web site at: https://yhoo.it/2CEnmHe

 

3 thoughts on “Ways for someone to steal your identity a) Scamming you via email. b) Paying for a data breach on the dark web c) Stealing your mail d) resetting the PIN on your Experian credit freeze

  1. I have a question and a comment.

    If you check the bureaus on a rotating quarterly basis as suggested in the article you end up checking each one once a year.

    Is this really all that helpful? Theoretically someone could be tapping into your account for nearly a year before you find out. And theory seems to be segueing into practicality at an alarming rate these days.

    Also, we live overseas, have citzenship in the new country and are quite settled. We will never need credit in the US again, but we’re stuck with this totally unneccesary exposure to identity theft simply so other people can make money.

    We found it difficult to institute these freezes from overseas. I wish there was some way we could opt out of the system entirely.

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    • —> Is this really all that helpful?

      I think that is a matter of personal opinion or preferences. However, I admit that I am a bit paranoid and like to know what is going on with my credit rating and a lot of other personal information that is not under my direct control. For me, I think the answer is “Yes, it is important to monitor credit ratings.” I don’t know if the credit bureau experts would agree with me or not.

      I have no experience with Americans or former Americans now living overseas so I cannot comment on that.

      Finally, I don’t check with the credit bureaus directly. Instead, my bank, the Mint.com budgeting service, an online stock broker that I use, and maybe some other companies will monitor your credit ratings for you and send you a MONTHLY report at no extra charge as long as you are a good customer. I use a couple of those services, rather than manually checking for myself only once every few months. I find that is easier and I get reports more often.

      Is that better? I think so. At least, it seems to work for me. Your mileage may vary.

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      • Thank you, Dick. Yes this is helpful. We’re going to have a call with our financial advisor later today and will ask if his bank offers this sort of credit check. We also have an excellent US bank we can ask.

        We had our credit card compromised twice the first year we moved. A courier was on our doorstep the next day with new cards. We’ve also caught attempts on our own (small purchases of a dollar, a top up of a Starbucks card in a western US state–and we don’t drink coffee). My sweetie is an accountant who checks our bank and credit card records at least weekly.

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