Target Sports

Stolen ID

The #1 community for Gun Owners of the Gulf Coast States

Member Benefits:

  • Fewer Ads!
  • Discuss all aspects of firearm ownership
  • Discuss anti-gun legislation
  • Buy, sell, and trade in the classified section
  • Chat with Local gun shops, ranges, trainers & other businesses
  • Discover free outdoor shooting areas
  • View up to date on firearm-related events
  • Share photos & video with other members
  • ...and so much more!

    • Register Log in
    shootnstarz

    shootnstarz

    Master
    Rating - 0%
    0   0   0
    Joined
    Dec 23, 2012
    Messages
    2,810
    Points
    63
    Location
    N/W Pensacola
    A buddy in another group had his ID ripped off and the perp opened a checking account and then got an online payday loan which of course he didn't pay back.

    LSS, he is dealing with all sorts of legal problems including a warrant and has to pay the loan back as of now. Real BS.

    Does anybody have any idea how this could be prevented, short of never ever been online? Would a credit freeze have stopped it?

    I intend to call my FCU today and ask, sure seems like there should be a way to prevent this kind of life altering occurrence.

    RH
     
    mac the knife

    mac the knife

    Master
    Rating - 100%
    6   0   0
    Joined
    Sep 27, 2012
    Messages
    1,268
    Points
    113
    Location
    Pensacola
    I reciently had my credit frozen with the 3 credit checkers. Its a good move if you are a senior .And dont plan on any big ticket loans in the future ! You can always unfreeze it for a one time purchase etc.
     
    kendive

    kendive

    Master
    Rating - 100%
    1   0   0
    Joined
    Dec 22, 2012
    Messages
    2,084
    Points
    113
    Location
    offline
    mac the knife

    mac the knife

    Master
    Rating - 100%
    6   0   0
    Joined
    Sep 27, 2012
    Messages
    1,268
    Points
    113
    Location
    Pensacola
    kendive

    kendive

    Master
    Rating - 100%
    1   0   0
    Joined
    Dec 22, 2012
    Messages
    2,084
    Points
    113
    Location
    offline
    mac the knife said:
    Yea, Clark Howard, I have been listening to him for Many years and he has saved me a lot of money. Lots of very good advice on lots of financial things.He's the best.
    Click to expand...

    Yep because of him I will probably be able to retire at age 55.
     
    Ross7

    Ross7

    Virtuoso
    GCGF Supporter
    Rating - 0%
    0   0   0
    Joined
    Jun 30, 2014
    Messages
    2,640
    Points
    113
    Location
    NW Florida
    I like Clark Howard too and get his daily newsletter. One thing I would add to the credit freeze subject is that if you're planning to get your once-a-year free AnnualCreditReport, to do so before freezing your credit. It'll save you some hassle.
     
    shootnstarz

    shootnstarz

    Master
    Rating - 0%
    0   0   0
    Joined
    Dec 23, 2012
    Messages
    2,810
    Points
    63
    Location
    N/W Pensacola
    I called Clack's team and my credit union yesterday and freezing your credit report seems to be the best way to avoid this. Going to call them today. Clark also suggested opening a free Credit Karma account to keep track of your report.

    My fcu said they check the credit report before opening an account but she wasn't sure about others. But with frozen credit that should prevent any payday loans.

    Thanks for the input guys.

    Rick
     
    kendive

    kendive

    Master
    Rating - 100%
    1   0   0
    Joined
    Dec 22, 2012
    Messages
    2,084
    Points
    113
    Location
    offline
    shootnstarz said:
    I called Clack's team and my credit union yesterday and freezing your credit report seems to be the best way to avoid this. Going to call them today. Clark also suggested opening a free Credit Karma account to keep track of your report.

    My fcu said they check the credit report before opening an account but she wasn't sure about others. But with frozen credit that should prevent any payday loans.

    Thanks for the input guys.

    Rick
    Click to expand...

    Awesome News. Thanks for the update.
     
    Ross7

    Ross7

    Virtuoso
    GCGF Supporter
    Rating - 0%
    0   0   0
    Joined
    Jun 30, 2014
    Messages
    2,640
    Points
    113
    Location
    NW Florida
    Glad you were able to get the issue taken care of Rick.

    I've thought for a long time about getting something like that Life Lock service, but I also plan to freeze my credit. I'm not sure if doing one would make doing the other redundant.

    After the big Equifax breech announced a few months ago I went to their potential impact link and got some wishy-washy answer to the effect of "it is uncertain at this time if your personal information was impacted by this incident", or something like that. But they haven't (yet) sent me a written notice, which they're supposed to do for those affected.
     
    kendive

    kendive

    Master
    Rating - 100%
    1   0   0
    Joined
    Dec 22, 2012
    Messages
    2,084
    Points
    113
    Location
    offline
    Ross7 said:
    Glad you were able to get the issue taken care of Rick.

    I've thought for a long time about getting something like that Life Lock service, but I also plan to freeze my credit. I'm not sure if doing one would make doing the other redundant.

    After the big Equifax breech announced a few months ago I went to their potential impact link and got some wishy-washy answer to the effect of "it is uncertain at this time if your personal information was impacted by this incident", or something like that. But they haven't (yet) sent me a written notice, which they're supposed to do for those affected.
    Click to expand...

    Life Lock is a Joke. I would not waist my money on it.
     
    Ross7

    Ross7

    Virtuoso
    GCGF Supporter
    Rating - 0%
    0   0   0
    Joined
    Jun 30, 2014
    Messages
    2,640
    Points
    113
    Location
    NW Florida
    kendive said:
    Life Lock is a Joke. I would not waist my money on it.
    Click to expand...

    Thanks Ken. Besides the plethora of TV commercials it's also pushed by AAA and the NRA, but I don't personally know anyone who has it so I had no one to ask about it. I appreciate your input, and think I'll just go with the freeze.
     
    kendive

    kendive

    Master
    Rating - 100%
    1   0   0
    Joined
    Dec 22, 2012
    Messages
    2,084
    Points
    113
    Location
    offline
    Ross7 said:
    Thanks Ken. Besides the plethora of TV commercials it's also pushed by AAA and the NRA, but I don't personally know anyone who has it so I had no one to ask about it. I appreciate your input, and think I'll just go with the freeze.
    Click to expand...

    Can't go wrong with the freeze... No reason to pay a company by the month when you can pay one time and be done with it.
     
    shootnstarz

    shootnstarz

    Master
    Rating - 0%
    0   0   0
    Joined
    Dec 23, 2012
    Messages
    2,810
    Points
    63
    Location
    N/W Pensacola
    Ross7 said:
    Glad you were able to get the issue taken care of Rick.

    I've thought for a long time about getting something like that Life Lock service, but I also plan to freeze my credit. I'm not sure if doing one would make doing the other redundant.

    After the big Equifax breech announced a few months ago I went to their potential impact link and got some wishy-washy answer to the effect of "it is uncertain at this time if your personal information was impacted by this incident", or something like that. But they haven't (yet) sent me a written notice, which they're supposed to do for those affected.
    Click to expand...

    Wasn't me Ross, it was a buddy from another expensive hobby group. It was just a wake up call for me. I've known I should freeze my credit for a while, just too lazy to do it. No longer !

    Rick
     
    You must log in or register to reply here.

    Latest posts

    Members online

    Total: 172 (members: 31, guests: 141)
    Bear Creek Arsenal Ad
    Top Bottom