Freeze your credithttps://lukeko.com/11/freeze-your-credit 0
I thought I had good privacy hygiene and keep my information safe. But today I got a notice that I got hard inquiries from the following so someone is probably trying to open an account with my identity
Hard inquiry on Oct 21:
Equifax - Capital One Bank Usa
TransUnion - Capital One
Step 1: Check your credit (free every 12 months) https://www.annualcreditreport.com/index.action
Step 2: Dispute it https://www.creditkarma.com/credit-cards/i/dispute-error-credit-report
Step 3: Freeze your credit https://www.creditkarma.com/id-monitoring/credit-lock (Freezing is better than locking)
Step 4: Place a free, one-year fraud alert by contacting one of the three credit bureaus. That company must tell the other two
Step 5: Freeze your child's credit as well
Step 6: Go to https://www.identitytheft.gov/Steps
Consumers requesting a freeze from Experian get a personal identification number to use to manage their credit information. Equifax and TransUnion have you create a password if you manage your credit online, and will issue you a PIN if you manage your credit on the phone or by mail.
- Experian: Freeze Center or call 888-397-3742
- Equifax: https://www.equifax.com/personal/credit-report-services or call 800-685-1111
- TransUnion: https://www.transunion.com/credit-freeze/place-credit-freeze or call 888-909-8872
To talk to a human at Experian call 800-493-1058. Went through all the prompts entered my ss,zip, address, DOB then I pressed option 2 for general questions Then Option 1 for Credit Report Then Option 1 for Questions about my credit Report. There was a long message about how to order your credit report just wait and you will be then be told that you are being connected to a representative.