Say What? Your Credit.........................

[timmgirvan]

If you put a fraud alert on your credit report, it will freeze your credit...not a good thing! PM me,Curt

[TheSpyder]

Wait a minute..you live in Georgia...be careful Curt!

Originally Posted by timmgirvan

If you put a fraud alert on your credit report, it will freeze your credit...not a good thing! PM me,Curt

[timmgirvan]

Funny guy!

[geeker2]

Originally Posted by timmgirvan

If you put a fraud alert on your credit report, it will freeze your credit...not a good thing! PM me,Curt

No it doesn't ..it just means that they must verify with you that you are asking for a credit card or a loan..it doesn't freeze your credit.

[timmgirvan]

Originally Posted by geeker2

No it doesn't ..it just means that they must verify with you that you are asking for a credit card or a loan..it doesn't freeze your credit.

Actually it does....This is why Lifelock is being sued for fraud by Experian, State of New Jersey,and others for putting fraud alerts on consumers(which
can only be done legally by consumer) The paperwork and process to unravel the mess is daunting tosay the least.

[geeker2]

Originally Posted by timmgirvan

Actually it does....This is why Lifelock is being sued for fraud by Experian, State of New Jersey,and others for putting fraud alerts on consumers(which
can only be done legally by consumer) The paperwork and process to unravel the mess is daunting tosay the least.

I don't know anything about Lifelock and how it works - but if you call Experian and telling them they want a fraud alert on your account- I've had one on my account for over 10 years-it forces the credit giver to call you and specifically confirm your request. I would say over the past 10 years they have found 5 or 6 times when someone was trying to get credit using my name or my address etc...during that 10 year period I have refi, leased a car etc...never a problem. In fact, my own bank had to call me and specifically ask if I was applying for a refi - because I had a fraud alert on my account.

For me it works!

[timmgirvan]

Originally Posted by geeker2

I don't know anything about Lifelock and how it works - but if you call Experian and telling them they want a fraud alert on your account- I've had one on my account for over 10 years-it forces the credit giver to call you and specifically confirm your request. I would say over the past 10 years they have found 5 or 6 times when someone was trying to get credit using my name or my address etc...during that 10 year period I have refi, leased a car etc...never a problem. In fact, my own bank had to call me and specifically ask if I was applying for a refi - because I had a fraud alert on my account.

For me it works!

It's good to see you keep up with protecting yourself....most don't know the game, or the perils of Identity Theft

[timmgirvan]

Originally Posted by DaHoss9698

Translation: Oops, you got me.

Not hardly....if you had a grasp of anything other than yourself....you'd know that!

[2Hot4TV]

Originally Posted by DaHoss9698

Good point....I must be the one constantly making incorrect statements on here.

I'd be willing to bet my entire life's savings that I have a better grasp of this topic than you. Especially considering how you were already wrong about it.

LOL...........You're killing me.

[geeker2]

Originally Posted by DaHoss9698

Are you ever right?

NIAGW

[timmgirvan]

Originally Posted by DaHoss9698

Are you ever right?

Go back into your cave..it's still winter!