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i have a lost (or stolen) birth certificate and s.s. card. What should I do?
I have put a lock on my credit thru equifax but was able to acceses it here(credit karma). Why? Does the lock also include the other reporting agencies.
Asked by
tooblu
3 months ago
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http://www.transunion.com/personal-credit/credit-disputes/fraud-alerts.page If by lock you mean fraud alert, then yes, alerting one agency requires that agency to alert others. It does not prevent you from pulling a credit report, rather, it requires lenders to perform additional verification before granting you (or someone pretending to be you) credit. Between that, monitoring your score at credit karma, and potentially also monitoring your credit score at credit sesame, you should be all set. If you become the victim of fraud (someone actually commits fraud) then you might be more interested in placing a credit freeze, which prevents creditors from granting credit until you personally contact the credit reporting bureaus and lift the credit freeze. More info: http://www.transunion.com/personal-credit/identity-theft-and-fraud/fraud-alert-vs-credit-freeze.page
MonocleCollector 3 months ago