On Mar 12, 9:53 am, "HW \"Skip\" Weldon"
<skip5700removet...@[EMAIL PROTECTED]
> wrote:
> For someone who doesn't plan to open any more credit accounts and who
> is concerned about identity theft, are there any practical arguments
> against freezing one's credit (so that no one can open credit in their
> name)?
>
> -HW "Skip" Weldon
> Columbia, SC
Not sure the arguments against (?) outweigh the possible benefits.
Various "identity protection" services will freeze your credit as a
matter of course (issue a fraud alert to credit agencies). The
services include other stuff as well (renewing the fraud alert as
required, periodically). The fraud alert requires anyone checking your
credit to speak with you directly at your phone number of record
before accessing your credit. If you can manage to deal with the
"Three Sisters" all on your own without raising your blood pressure (I
had to page through eight pages of useless links before I even found a
mailing address for those bloated fat fish), and perform the other
handful of services for yourself (e.g. calling all your card issuers
in the event of a bogus charge), then you can save yourself the modest
fees the ID protection services charge to do it all for you with just
one phone call (24/7) to them. (Obviously, I recommend the ID
protection services. As one such service put it, you can change your
own oil, but most find it more convenient to take it to a mechanic who
might spot some other potential trouble as well.)
Hope I got your question right (credit freeze = fraud alert) and
answered relevantly.
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