jcatguy asked:


After calling the IRTC or ITRC and spoke w/counselor for free…re:identitytheft, and that I had put Credit Alerts but then added Credit Freezes to 2 of the 3 CRAgencies…they responded but in a link they sent to me, it included to contact Debix (because if they send you the link, you get first year free)…
They are all I really needed (from the beginning I wish I found them because it would’ve saved me much wasted time/running in circles and making many errors, some of which may be irreversible; the ID theif may have already destroyed my credit. I can’t even order an updated Credit report/or even pay for a Credit Score, becuase I jumped the gun and put in Security Freezes, so now it all has to be done w/Snail mail and all kinds of ID and I believe also a notarized statement…just to take it off For Me. When you’re homebound/disabled, it’s hard to put together all this together and have it mailed by USPS return receipt requested or something in that arena.
Anyway, I found out that DEBIX…after setting up my account, where they call you up and if anybody tries to get an item w/your Identity Information (SS#, Mother’s Maiden Name, etc.), and then the company will first check your credit, and DEBIX will pop in and automatically I’ll get an instant phone call (if not home, to secondary number, cell phone), and they have you first do a voice print…and they ask if you authorized this. If not, it cannot go through.
Anyway, the day after I signed up…Someone from Debix called me up and actually asked me about my situation and advised me very clearly what to do, and my question is:
1. Is it true, that with Debix in place, I really have no need fort Security Freeze as that will only make things harder on me…as it has already…and just keep the “Credit Alerts” and keep that updated. In fact, they put in the credit alerts for you, except I already did that, but they have to at least try to do it as part of the service.
So now, I am basically asking if it’s safe to take of security freeze since I have 3 Credit Alerts in place (w/the cr agencies) because it’s preventing me from doing things…including getting a brand new (as I alreayd rec’d the free credit reports weeks ago when first placed alerts)…I’m curious what’s going on Since and if my Credit Score has plunged.
So if it’s advisable to reverse the freezes…and w/the alerts in place along w/Debix…so I can find out what’s happening w/my credit “in the now”.
Also, is there anyway to get the Credit Freezes Off (outside of a temporary “take off using the Pin Number I rec’d)…an easier way than to make photocopies of proof of address, proof of “it’s me” and then to have to mail it and wait for response? Such as using the internet or the telephone?

Still sorta confused…I think that’s probably obvious….also the Free Advisors’, and they will call you back, if you email them for a certain time, so you don’t have to deal w/that expense (*if money is a factor”).

Overall is Debix a safe bet? And since I’m getting first 12 months free (cause I am victim of ID theft), do you know or have you heard if it’s a secure and helpful system? Seems so, but, everything isn’t always what it seems to be.
Thank you very much,Jay

Bill

Tarron Acuff asked:




Looking for a free credit report no credit card required? Credit agencies have to give free annual credit reports if asked to do so. You can learn more about getting your free annual credit reports no credit card required, and by yourself learn to target your ideal score. Keeping a track of your credit score will help you measure what the lending companies are willing to loan you. I have yet to come across somewhere where you get free credit reports, and also get your credit score. Most free credit reports don’t give your score along with the report.

Getting your free credit report is major when you have knowledge and control over your financial information. While obtaining your free credit report you should have no obligation to commitment to anything. If you are trying to obtain your free credit report online, do not use a public computer to access this information. Using public computers to access your free credit report may cause you personal information to be stored on that computer. The free credit report helps people protect themselves from identity theft and fraudulent credit applications. If you see something that appears suspicious, you can contact the credit agency to report it. If you obtain your free credit report annually there would be no reason to go out check it yearly because it will automatically come to you.

Just because you never had a credit card or a loan, doesn’t mean you do not have view your free credit report. The notion is that your free credit report what allows people to use your identity to acquire credit in your name. You always need to check the information to make sure it is correct even if you have no credit. Get your free credit report today!

Jesse

Ann Born asked:




You have an abundance of alternatives when looking for an absolutely free credit report, no trial. Within the United States, Americans have the ability to receive one absolutely free credit report, no trial from each of the three major reporting companies, yearly. Equifax, TransUnion, and Experian all provide you one free credit report on a yearly basis. The only requirement from you is that you contact any one of them and request your absolutely free credit report, no trial.

You will be required to provide them with proof of identification and current address. This is a necessary step to prove that you are the person shown on the credit report. After you have requested the absolutely free credit report, no trial, you will find your credit report sitting in your mailbox in as little as two weeks. If you are not willing to write these companies to request your free credit report, you can contact them by telephone as well. Depending upon the company you are going with, you may be able to find your credit rating right over the phone. However, you will still need to provide them with some identifying information.

Receiving an absolutely free credit report, no trial, is suitable for most people. There is really no reason you need to have constant review of your credit report. It does not generally change overnight, unless you have many different credit issues to deal with. The internet provides you with a multitude of methods in obtaining a free credit report; however, this will not be an absolutely free credit report, no trial. You will be required to provide credit card information and have to go through a 30-day free trial. There is no reason to risk your money or information online, when you can get a yearly, absolutely free credit report, no trial.

Allen

Ryan asked:


If you are about to dispute credit report errors, here are some tips to get the results you want quickly.

1. Review your credit report periodically and be prepared to dispute credit report errors. It is common for information on your credit report to be inaccurate, and it can affect your ability to get a loan and the amount you have to pay to borrow money.

2. Only order your credit report form the official Annual Credit Report site. Any other website that offers a “free annual credit report” only does so when purchasing one of their products or signing up for a free trial that will automatically bill you after 30 days. The Annual Credit Report site is completely free and allows instant access to your current credit report.

3. After reviewing your credit report contact the credit reporting agency, in writing, about the information you believe to be inaccurate. Send a copy of your credit report to support your claim, and keep copies of all documentation for yourself.

4. Send your letter via certified mail so you have proof that the information was sent and a record of when the reporting agency received it. By law they have 30 days to review your claim and get back to you with a final determination.

5. If your claim is accepted, the information on your credit report will be removed and your credit score should improve. Upon request, the credit reporting agency must send a notice of the corrections to anyone that received your report within the last 6 months.

6. Keep an eye on your credit report going forward. Just because you dispute credit report errors and win, that does not prevent the creditor or lender to put the negative information right back on your file. If this occurs, you will have to start the process all over again.



Donald

Amy Gordon asked:


Credit reports keep records of your financial life and need to be checked regularly. They have to be up-to-date and the information contained by them correct. Now it would be a hassle if you had to keep visiting credit reporting agencies for updating them. But with free online credit reports, you can avoid such inconveniences. Such reports help you do the checking anytime you want as you can get free and easy access by just logging on the internet.

Free online credit reports are credit reports that contain information of your financial records as well as your current financial status. These may include your personal details, your credit details, any public records regarding financial matters and also the inquiry made by any third party on your record. You get the report simply by submitting an online application form for free. Reviews are made quickly and you will have your free online credit reports in no time.

Credit report needs to be updated on the regular and any faulty data needs to be removed immediately. By getting it online for free, you are giving yourself the opportunity to check it whenever you can without having to pay a personal visit to the credit reporting agency. If any change has been made, you will get to know it instantly. Conversely, if any recent record has not been entered, you can also remedy the situation at the earliest. You also get the chance to contact your agency and inquire about the errors so that your credit status remains clean.

The biggest advantage that you get through free online credit reports is that the services you get are prompt and free of cost. You can get the report as well as get it updated at home or wherever you happen to be as long as you can get access to the internet. They are also easy to find. You just have to browse the internet and check out the various sites which offer them.



Ruth