While browsing around the various credit report sites, if found some very interesting information. Some of the more important bits of information I found were;
- The three major credit reporting sites. In my previous post, I warned about the possibility of getting yourself registered for services you did not want. These are less likely to have such a suck in, yet not impossible. If you are looking to get your credit report each agency will give you one free report per year (Something LifeLock
sends you automatically periodically throughout the year). Remember to read everything before you commit. Also, remember you are giving out your Social Security Number – ALWAYS BE CAREFUL WITH THIS NUMBER!!!
- Equifax – www.equifax.com
- Experian – www.experian.com
- TransUnion – www.transunion.com
- Exclude yourself or family member from unsolicited credit and insurance offers. This is one service provided by LifeLock which they do automatically. However, you can opt out (for 5 years or forever) or opt in using 1-888-5optout (1-888-567-8688). I just did this myself to be sure and to see what is involved. It is very easy and quick. When I was asked for my SS# I remained silent to see what would happen. It will ask again – remain silent again. It will then say it is trying to make the request without it. Mine went through fine. Better to not give out your SS# if you do not have to.
- Check out the Federal Trade Commission’s web site. (US only). You will find every bit of information you might need there. Plus, you can always call to get some additional information if needed. Remember this is a federal service you pay for with your tax dollars, use it! www.ftc.gov/credit
LifeLock does all this and more at about $10/month. While many places will warn you after something has gone wrong, LifeLock stops those things that could go wrong. Would you rather get fixed after a car accident or prevent the accident?
As with anything regarding your personal information, use my suggestions as a starting point. Trust only yourself and fully investigate your options and possibilities.
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The other week I couldn’t get that jingle out of my head “Dee DeDe De De Dot Com”, now you can’t either. So I checked out the site, signed up and received my free credit report. I was happy with the result, filed it away and pretty much forgot about the experience. About a week later I noticed a strange charge in my account. Calling the number I realized that when you sign up for your free credit report you are also signing up for a credit protection service at $14.95 per month. I could not fight the charge since it is clearly stated (in a dim font color) on the main page about the service you will sign up for if you do the report. Needless to say I canceled it but I am still covered through them and LifeLock until the end of the month.
Just be careful when you are filling out anything. You never know what junk they will suck you in for in the process. There is a seven (7) day window to cancel this service without being charged. Cancel it then go to LifeLock
and sign up for that, you will not regret the decision.
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I cannot say enough good things about this service. So instead of me telling you anything, click and see for yourself! The elimination of most junk mail is worth it.
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