Identity theft prevention by Credit Freeze | www.IdentityTheft.info

[outcold19]

My thoughts on your video...

1) Don't make a video and then have several pop-ups talking about different information. It takes away focus from the video.

2) Putting a freeze on your credit makes it nearly impossible for anyone to do anything with your credit....including you. While it may be useful for some, just remember, when you want to use your credit be prepared to wait days before the freeze is lifted.

[realestatejt]

You seem to know a lot about this topic, keep up the good work!

[pshark]

BUNCH OF CROOK!!!!

NEVER SIGNED UP FOR FOR YOUR SCAM SERVICE AND YET YOU FOUND A WAY TO CHARGE US THROUGH OUR PHONE BILLS!

THERE'S A PLACE IN HELL WAITING FOR YOU!!!!

[555rush]

how long does it take to "unfreeze" once you decide you need to use it?

[NeoCertified03]

Check out our product to encrypt your email and protect yourself. A must have for individuals & business NEOCERTIFIED

[Louis69]

I don't see why anyone should have to pay to have their identity protected. The damn government should be doing it for us with the damn tax dollars they steal from us on a daily basis instead of wasting it on stupid shit like the war on drugs or pointless wars over seas.

[TazRulesNY]

I suspect all these negative ratings/thumbs down people are getting on here are by the scum bags who steal credit info.

[Fresh2Deaf11]

sweet.

[devildad1620]

If I could I would opt out of the whole credit market. I believe that debt is bad. I have never wanted a credit card. I bank with a credit union that does not use credit reports for anything. They go by your record with them and length of membership.

Debt is a sin for a reason. It enslaves people.

[brotherRob3]

Hey, you Devil (Dad) - where did you hear that "debt is a sin" ? I glanced at your personal page and the things that are shared there so I was surprised to see you discussing the concept of sin. But, of course, if all debt was truly a sin then it would be a very serious matter to many of us.

[SeymourButtz99]

Statistically, the majority of identify theft occurs at the hands of relatives and friends with access to your details. "credit freeze" helps to prevent instances such as a relative attempting to open NEW CREDIT in your name.

The other major source of ID theft is credit card data lost / stolen on a wholesale level such as network hacking or they lose backup tapes and credit freeze can't protect you if someone is exploiting your existing accounts.

Existing laws protect you from paying this.

[abundantace]

I had heard about credit freezes, and after watching this video, I am seriously considering it.

[omarjz]

fuck credit!!!! who needs that shit! all i need is cash if you dont have it you dont have money simple as that!!!!

[Onionsayswhat]

a credit freeze f's up your credit - when you want credit. It's not easy to reverse it when you want credit. this guy is full of shit. this guy doesn't know his ass from a hole in the ground. WORRY TRUST ME WORRY if you want credit in future - YOU WILL BE FUCKED I gtee you - damn jackass fool doens't know anything about credit

[GFSuit]

You must work for a credit provider to spout that foolishness.

[jrsentido]

I think it is absolutely criminal that these organizations wield so much power over personal freedoms and choices.

I think it is absolutely criminal that these organizations would stoop to charging even one penny for corrective action to prevent their irresponsible systems being used by identity thieves to commit fraud.

I think it is absolutely criminal that any one of these organizations does not provide 100% access to your report for free, at all times, instantaneously, in a secure way.

[ONLY1MEMEMEME]

my credit is blased bad part is i havnt done but one thing on there funny thing is who ever was using my identifty was using my grandmas address how do i fix this problem and everything they've done

[Meesh60612]

Only1 believe it or not there is a way to fix your credit. It takes time & commitment but there are ways. Google something like debt repair (Don't pay debt consolidator either). But there are DV letters you an write (Collection agencies must validate a debt), sometimes an SOL should come off (a debt being reported past statute of limitations.) If you are committed and have time you can fix it :) Start by getting your credit reports. Good luck. Hey my FICO score jumped 90 points in 4 months.

[Meesh60612]

P.S. Don't ever pay off any debts or talk to a collection agency until you have researched your rights under FCRA. Trust me they lie a lot! Again it takes commitment but if you look at what's being reported on each credit report you'll see a scum bag collection agencies (CA) will report something as open or say your account is 120 past due. WRONG. CA's can NOT report something like an original creditor but their false reporting lower scores. I was naive about all my options. Not now!

[lulubirdi]

Is the Equifax "ID protect" lock/unlock feature the same as a credit freeze?

[IdentityTheftExperts]

The Equifax product is actually called ID Patrol. It is similar to a credit freeze but weaker in a few key areas consumers should be aware of.

ID Patrol allows users to lock part of their credit file BUT this lock does not:

1) stop marketers from buying your credit file from the bureaus

2) stop potential employers from accessing your credit file

Thus, ID Patrol is a good step in the right direction but is a watered down version of a security credit freeze.

[jjjkkknnnmmmn]

well if customers have to pay for a freeze then the bureaus WOULD MAKE MONEY so why do you say they lose money? Ok I know you're saying the bureaus can't sell your info so they lose money there but if every customer PAID TO FREEZE their credit - then the bureause would make money. I bet the freeze is not easy to release when you actualy WANT to get credit. this doesn't impress me.

[GFSuit]

The $5 a bureau makes on a freeze is far less than they earn selling that info over and over again. Besides, it's free in some states.

[SeymourButtz99]

Agreed, it is specious for a credit bureau which is essentially a massive database operator with little need for extraneous employees since the systems perform the majority of the work inside an infrastructure for little need of modification past design..... to be subjected to cyclical economic forces.

Credit Bureau's are like the phone company, build once, resell many and many and many.

Even charging consumers for credit freeze is larcenous on their part.

[RobDouglas3]

The single best step anyone can take today to prevent some types of identity theft is to place a credit freeze on your credit report. This video is good at assisting you to do that.

[jcrtec]

the simple best step is to make this company make a right job.

[NoN4M3ss3ng3R]

How do I hit the Financial "Reset button"?

Is their an "entitlement " i can tap into ?

I'm about $100,000 down

and soon to be homeless

[shaggs951]

LOLi just typed any thing and it came up to hear lolololololololololol

[Krabbypattycake]

I have never had a credit card and am a victim of ID theft, but she is only using my SSN. I checked my credit report and have have numerous inquires on the report, but no accounts in good standing. Does me never having had a credit card have anything to do with the fact that she hasn't used my credit?

[IdentityTheftExperts]

The fact that you have never had a credit card has little to do with the thief not using your credit. SSN thieves have other motives in addition to financial theft (e.g., employment, medical, criminal - where a crook is arrested and gives your name to the police to avoid getting a criminal record in their own name).

Is the thief is using your SSN for employment?

You are welcome to message me privately.

[justbun]

verizon turn my account over to Afini , can i sue verizon because this bill was incorrect Afini sent me a bill showing proof that i had a bill the bill listed 10 pages , they only sent me 7 pages of the bill . and what funny I did not live at the adress .

do I have to pay this bill , somebody please answer my question .

[NAO22408]

So is a "credit freeze" the same as a "fraud alert"? And does anyone think using the services of Lifeline is a waste of money knowing that we can do our own credit freeze?

[IdentityTheftExperts]

A credit freeze is much more potent than a fraud alert. A credit freeze does not allow anyone to access your credit file - where a fraud alert only tells those who access your credit file to watch out for fraud.

Services such as the one you mentioned are a waste of money if you are willing to take the steps yourself.

[NAO22408]

So does credit freeze mean you cannot use your credit cards?

[IdentityTheftExperts]

No, you can continue to use your credit cards as usual. A credit freeze will just prevent anyone from accessing your credit report; which will stop most new lines of credit (e.g.., new credit cards) from being issued.

[evil9999999999999999]

This is theft by laws passed to ues you as a catilist to have you involved in their use of your information. If they can not keep your information safe with out your freezing your own account what are they doing with your information in the 1st place? ID theft is a load of tripe! when we have to give permission to credit company's to use or freeze our information don't you think somone needs to find out why?

[ejpoeta]

i wonder if this is basically what that lifelock does. i know that the credit industry or the credit bureaus have been trying to stop it. that explains it all.

[IdentityTheftExperts]

No, they put fraud alerts on your credit file.

A credit freeze is much more potent than a fraud alert. A credit freeze does not allow anyone to access your credit file - where a fraud alert only tells those who access your credit file to watch out for fraud.

[1337girlisback]

I have a secret that the credit bureaus don't want you to know

about...don't buy on credit....if you don't have the cash for it...do without it....people seem to forget that all we really need are

air...water....food...shelter from the elements ...and LOVE

smile.....oh yeah and FREEDOM ...another forgotten ideology.

[watchthemoviefitna]

Thank you for posting this video. Knowledge is power. Personally, I recommend people do as I do. Use cash, pay ahead and always budget.

[IdentityTheftExperts]

All good advice! Unfortunately, it has been shown in studies that convenience outweighs security. Yes, paying with cash is considered inconvenient compared to a card and paying ahead and budgeting is so inconvenient (ha ha). There was a great Sat Night Live skit about this, Dont buy stuff you cant afford.

[livinintraffic]

I don't understand clearly why the credit bureaus do not want people to do this. Someone please explain.

[watchthemoviefitna]

The credit bureau makes money off selling statistics and info to marketers (those credit card offers, etc.) Your credit is not accessible to anyone, but any type of 'credit-related' entity can. Hence, a gateway is open for hackers (Joe Bloe claims to be from BofA, e.g.) I froze my credit so creditors couldn't see I was actually paying my bills. hahahah

[tyree1997]

all i wanted to see was the baby dude

[IdentityTheftExperts]

I hope you found the baby in our other videos. Sorry about that again.

[funluvinthug]

I wish my folks had done that for me before I became an ID theft victim a few years back. I am still having to deal with the problems some JA put upon me!

[IdentityTheftExperts]

Better late than never. I hope you took the appropriate actions and protected yourself now.

[kmoede]

If the public were aware of their ability to put a security credit freeze in place there would be a lot less identity theft victims.

Great vid.