DOGE Left Everyone’s SSN Exposed

[OlDawg]

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[Boyz N Da Hood]

9 minutes ago, OlDawg said:

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Keep an eye on Chuck!! 

[OlDawg]

8 hours ago, Boyz N Da Hood said:

Keep an eye on Chuck!! 

I didn’t post this as a political statement. I posted it to remind everyone how important it is to consider ‘freezing’ your credit at the 3 major agencies. It’s free, easy, and only takes about 15 minutes to complete. About 5 minutes each agency.

You can always easily unfreeze for a single purchase, or a designated time period, and then have it automatically refreeze.

No one can create an account under your name while frozen.

I did this for my wife and I after the massive DoD data leak a few years back. I was glad I had done it when AT&T had their major leak here recently. Since then, my university information has been leaked, and some of my health information among others. It’s just a little peace of mind that’s free, easy, and can be done while drinking a cup of coffee. It’s literally that quick.

[Boyz N Da Hood]

18 minutes ago, OlDawg said:

I didn’t post this as a political statement. I posted it to remind everyone how important it is to consider ‘freezing’ your credit at the 3 major agencies. It’s free, easy, and only takes about 15 minutes to complete. About 5 minutes each agency.

You can always easily unfreeze for a single purchase, or a designated time period, and then have it automatically refreeze.

No one can create an account under your name while frozen.

I did this for my wife and I after the massive DoD data leak a few years back. I was glad I had done it when AT&T had their major leak here recently. Since then, my university information has been leaked, and some of my health information among others. It’s just a little peace of mind that’s free, easy, and can be done while drinking a cup of coffee. It’s literally that quick.

Understood your point, it is politics!

Keep an eye on the whistleblower!

[OlDawg]

Links to the Credit Agencies included below:

What To Know About Credit Freezes
Freezing your credit can help stop identity theft. When a credit freeze is in place, nobody can open a new credit account in your name. There’s no cost to place or lift a credit freeze, and it doesn’t affect your credit score.

You don’t have to wait for your Social Security number or other information to be exposed in a data breach or misused by an identity thief to get a credit freeze. Anyone can do it, any time.

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[thetragichippy]

Banker here.....

    I have not and will not freeze my credit for a couple reasons. The main reason is I have Chase and Capital One that sends me a notice anytime my credit is ran or looked at.  IF I see something, I can dispute immediately and have it removed from my credit.   

    Also, a social alone is really not enough to get past most security features - you would need to match with address, DOB, etc.... 

    Lastly, when applying for a loan, if credit is frozen, you can add a minimum  24-48 hours to get approved. 

[AggiesAreWe]

10 minutes ago, thetragichippy said:

Banker here.....

    I have not and will not freeze my credit for a couple reasons. The main reason is I have Chase and Capital One that sends me a notice anytime my credit is ran or looked at.  IF I see something, I can dispute immediately and have it removed from my credit.   

    Also, a social alone is really not enough to get past most security features - you would need to match with address, DOB, etc.... 

    Lastly, when applying for a loan, if credit is frozen, you can add a minimum  24-48 hours to get approved. 

I will not do a freeze as well.

As for loans, I haven't needed one in 18 years. I buy my vehicles outright. Haven't had a car note in 15 years.

Only note I have is my beach cabin which we purchased 25 years ago. Got two years left before it's paid off.

Own my home in Silsbee, two vehicles, golf cart and trailer.

I am very blessed. 

My apologies to you @thetragichippy and other bankers for not bringing you any business. lol

[OlDawg]

22 minutes ago, thetragichippy said:

Banker here.....

    I have not and will not freeze my credit for a couple reasons. The main reason is I have Chase and Capital One that sends me a notice anytime my credit is ran or looked at.  IF I see something, I can dispute immediately and have it removed from my credit.   

    Also, a social alone is really not enough to get past most security features - you would need to match with address, DOB, etc.... 

    Lastly, when applying for a loan, if credit is frozen, you can add a minimum  24-48 hours to get approved. 

You should read the article. It addresses your second paragraph. As far as the delay on a loan, I’m sure a banker prefers impulse loans to someone having more time to think. Ha!

[thetragichippy]

13 minutes ago, AggiesAreWe said:

I will not do a freeze as well.

As for loans, I haven't needed one in 18 years. I buy my vehicles outright. Haven't had a car note in 15 years.

Only note I have is my beach cabin which we purchased 25 years ago. Got two years left before it's paid off.

Own my home in Silsbee, two vehicles, golf cart and trailer.

I am very blessed. 

My apologies to you @thetragichippy and other bankers for not bringing you any business. lol

You have done it right. No apologies needed.  

I'm currently trying to help a young female who managed to get herself 30K in credit card debt..... she has maxed every card out but never missed a payment.....having a very difficult time getting the underwriters to buy in on a consolidation loan. 

Moral of story - Don't live above your means