Filing a fraud alert with the three major credit bureaus (Experian, Trans Union, and Equifax) adds a note to your credit file that states to anyone trying to pull your credit that you have been a victim of fraud.The note requests that the business pulling the credit report call you on one of two phone numbers you provided when you filed the fraud alert.
It did have an ‘approve or decline’ contact service which was at least one layer of screening although a little frustrating if you initiate the contact.
It was easy to block people and it had a social feel as it provided a list of chat contacts.
When a security freeze is in effect, if someone tries to get a loan or open an account using your name, the credit reporting agency will ask the requester for your PIN or password before they give over your credit score to the lender.
Since the identity thief won't know your PIN, assuming the lender is following proper procedures, the lender won't give them an account without knowing if they have good credit.
It can be hard to bring scammers to justice because of the difficulties associated with tracking them down.
Scammers often cover their tracks by using fake or stolen identities, coupled with anonymizing Internet services, spoofed e-mail addresses, and disposable phone numbers.
Victims of scams don't always report when they've been conned because they feel embarrassed for having fallen for a scam.
If you have just fallen for a scam, you shouldn't feel embarrassed. Scammers are constantly refining their scams to make them as effective as possible. If you're reading this article then you are here to find out what you can do after you've been scammed.
If you want to learn more about how scammers operate and how to protect yourself from future scams, check out our article on How to Scam-proof Your Brain.
Below we pit two of the Australian online dating heavy weights against each other.
That said it is free and someone has to pay the piper.