I had my information stolen during the OPM breach and now the Mr.Cooper morons gave up my information again! Do you guys sign up for the free credit monitoring services or how do you handle this stuff? I'm pretty tired about all this data breach shenanigans concerning all of my information
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You can pull credit reports for free annually on this website. However it cannot repair the damage already done to your credit. I know that doesn't help your situation specifically but at least you'll have the information you need to move forward.
https://www.annualcreditreport.com/index.action
This is the first step! Pull your annual credit reports for free like the anon said.
Review it meticulously. Make corrections where possible.
Make sure to file a police report on all fraudulent accounts. Make sure to get a police report ID or some way to prove you did that.
See if anything can be removed from identity theft... Work with the company(ies) that were fraudulent and see if they can help. Call them up directly and tell them it was fraud. Give them the police report as your proof and ask them to remove anything fraudulent from your credit record.
But I also recommend https://lifelock.norton.com/
There are other products but I think for the price, this one is decent. This can help you stop it from happening again.
If it’s really bad, it might be worth getting an attorney and sue the companies who had fraudulent accounts that won’t remove it from your credit report. Make them pay for damages.
Very nice fallow up fren! I also use Norton's Lifelock to monitor my credit although I've not had to use their restoration services. Scammers and identify thieves reek so much havoc on people's lives it's very frustrating and sad. I hope you find the answers you need OP, I'm praying for you.
Amen. Praying too.
Before paying a dime, I would file the police report with your local police department and then give the fraud companies a chance to do the right thing. If you have money to burn, have someone do that for you but I would try to fix it on your own first either way and then if they suck, pay to restore.
hint.....stop using on line bullshit......i do not buy online unless i use a pre loaded walmart card and i pay my bills in person.;.....and never use your real name online
The OPM breach was when I was in the military. Mr.Cooper is a loan servicer whom USAA sold my mortgage to. Nothing was because of "online bull...."
I got the same letter from Mr Cooper. I took advantage of their offer of free credit monitoring. Just go to the recommended web site and sign up. They also allow you to sign up for 2 other things, I think it was fraud alert and credit freeze or something like that, I didn’t take advantage of them even though they were free. If anything fraudulent pops up, I may sign up for those 2 free options.
Ah okay thank you. I still have the free service from the OPM breach as well. I await the day when all this ends. Our (social) credit score being tied to a number and your name.
I've not had to deal with identity theft before as most of my stuff is offline and what isn't is secured heavily but still if 40000 people know all our info something is bound to happen. It's time these imbeciles recognize that there has to be a balance struck between this number they want us to give out willynilly and yet protect with our lives.
I never had ID theft either, but a friend did and he went thru a lot of trouble, the thief even bought a car with his ID. The good thing was that they caught the thief and my friend pressed charges.
Change your name and move to Albuquerque.
You'd make an excellent Congressman.
Http://www.Creditkarma.com
Free credit reports and scores. Live updates. Check anytime. Free notifications. Dispute items. Check it out. Free.
Really sorry this happened up you, that sucks.
I use credit karma.com for free credit monitoring. Also every single credit card I own offer credit scores on their websites.
You can also contact the credit agencies and ask that they do extra screening for any new accounts that are opened in your name. That will hopefully help in the short term.
Personally I check my checking accounts every day for unexpected activity, and all my credit cards every week.
Freeze your credit
That is on my list to do tomorrow thank you!