Transunion to Offer Free ONLINE Credit Freezes!!

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Most credit reporting companies have made it as difficult and cumbersome as possible to get a credit freeze because they desperately hope that by putting barriers in your way, they can discourage you from doing it (in my opinion). That said, Transunion has suddenly decided to offer FREE freezes to everyone, even people who live in a state that allow them to charge a fee. Not only that, but they are also allowing you to do it through an ONLINE system rather than a cumbersome certified mail system.

I'm so shocked I had to to confirm it and here it is. There's no telling how long this will be the case so make sure you get it done now while you can.

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Georgia Gets Credit Freeze Law

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The Georgia law caps fees for freezing or unfreezing credit records at $3, lower than most states, and requires the service to be free for people over age 65. The law also requires credit bureaus to lift the freeze within 15 minutes when a customer makes a request to buy big-ticket items like cars and TVs using credit.

Not bad at all. The only way the terms could have been better is if the freezes were entirely free.

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University of Maryland Leaks Social Security Numbers

University of Maryland
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They sent out mailings that had the SSNs on the outside envelope. But don't worry! They're offering a free year of credit monitoring!

Whee.

Instead, do something useful and take advantage of Maryland's Credit Freeze law to actually protect yourself rather than get ripped off by credit monitoring

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Lifelock Steals Competitor Corporate Identity

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I've written about Lifelock's morally dubious advertising techniques before, but this is certainly new. Lifelock has been accused of paying for sponsored links to their competitor NAMESAFE which, when clicked, take you not to NAME SAFE, but Lifelock.

I would be very surprised if this wasn't considered fraud and I'm interested to see what happens as a result.

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50 Ways to Take Back Control of Your Personal Data

Prefer to stay hidden?
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A commenter pointed out this checklist of tips for controlling your data and your privacy and I agree that it's got some good advice so here's the link. Most of all, I credit them for being one of the first articles I've found online about ID theft that actually mentions credit freezes (other than mine of course).

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Me on Blogger Radio This Thursday

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This Thursday, I'll be doing an interview on Techtips blog radio. You can listen or call in to talk with me about Identity Theft issues. Link here:

http://www.blogtalkradio.com/stations/bc/TechTips/2008/06/05/How-to-avoid-becoming-an-ID-Theft-victim

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Credit Freeze Presentation at CFP 2008

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I was given the opportunity to give a five minute talk on any topic of my choice relating to computers, freedom, or privacy preceding the conference dinner on Wednesday. Narrowing down all the things I would want to say was difficult at first, but of course had to be nothing other than credit freezes.

It drives me nuts that there's still so few people that know about this very important tool and I made sure that at least my fellow computer, freedom, and privacy advocates and peers would know. It turns out that there were many who hadn't heard of it before. After my talk, I had many people come to ask me about more details or to tell me that they spread the word to their friends and family. One even invited me to come speak at his church at a large event he's hosting in the fall!

It's a good start.

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An Open Challenge to Todd Davis of Lifelock

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I have been challenging the value of Lifelock for a while based on the fact that they claim to prevent ID theft, but can't. It looks like several other people have come to that conclusion and are busy suing him for as much of his millions that they can get.

The problem is that even with CNN, Wired, and Yahoo finally getting around to spreading the word, Lifelock is still going very strong.

Even though I've been chasing lifelock postings around on the net and posting comments letting people know the truth, I don't think my efforts are going to amount to much in the long-run. That's why I've decided to challenge Todd Davis directly. He's obviously a showy type that feels comfortable challenging others so now it's time to turn the tables. I've looked into Lifelock's features and found them useful, but far from worth the money spent. But with only one feature addition, that could all change. So let's get to it:

Dear Todd Davis,

You appear at first glance to be quite the swift talker. You've promised to prevent ID Theft, but for some reason, you ignore the one and only tool that can actually do that: credit freezes.

I don't know why, perhaps you didn't know about them. But leaving your motivations and ID Theft experience aside, you can and should include credit freezes into your service immediately. Not only would you actually be able to prevent ID theft as you originally claimed, but you'd be able to help your customers in a very real way.

If you were to include both the freezing and as-needed thawing of freezes into your service, even I will agree that Lifelock has value.

Sure, I won't recommend it to everyone I know and I won't use it myself, but I would be able to honestly recommend it to people who would otherwise never get or use a freeze if they didn't have your service's help.

So pay attention Mr. Davis: If you want to turn public opinion toward your company and prevent the inevitable tide of negativity that threatens to drown you, perhaps you should consider making good on your word and actually prevent identity theft.

Sincerely,

-Jeremy Duffy Awareness Advocate

P.S. If you don't know what credit freezes are, click here.

So there you have it. What are the odds that he'll actually respond? We shall see…

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Georgia Gets Credit Freeze Law August 1st

Last year, credit reporting companies "voluntarily" implemented credit freezes in all states in a desperate attempt to prevent more states from passing laws with worse terms than they wanted (that's my theory anyway). Now Georgia has passed just such a law. Starting August 1st, people will be able to freeze their credit for only $3, a full $7 less than the $10 the credit reporting companies allowed in their "voluntary" plan. Even better:
The new law also eliminates a major objection of retailers and other grantors of instant credit: that freezing a file was too much of a hassle for someone applying for an in-store credit card or car loan on the spot. Under the law, consumers will be able to "thaw" their files temporarily, and credit bureaus are required to comply within 15 minutes of the request — a first in the country.
Good. Now they have no excuse for making the thawing process more difficult for any other state. Tags:

Man Spends 3 Million in only 3 Months on ID Theft

ID Theft is too easy to do
(Image is in the Public Domain)

Using only a photocopy of a driver's license and a social security number, James Harman bought over 3 million dollars worth of goods in his brother's name.

The most important point to this story? It wouldn't have happened in the first place if he'd had a credit freeze, but it still would have even if he'd had any kind of monitoring or insurance plan (even Lifelock).

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