Quality Credit Solutions » identity

Which is the best credit monitoring service?

jedwan — Wed, 04 May 2011 21:58:40 +0000

I know that we are on a “myFico” forum, but which service is the best credit monitoring service for the money? What I am looking for really is monitoring of all three services with an occasional credit report. That is to say, I want to be made aware of changes to all three bureaus, but I only occasionally need an actual copy of my credit report. Anyone heard of IdentityGuard? Ok, looking forward to your input.

James

Company telling me I am not who I say I am.

jedwan — Tue, 26 Apr 2011 15:47:09 +0000

Hello,

I have had an account open with an online company NCsoft for two years now. They recently sent me a message telling me that I am not the original owner of my accont and that the account has been closed due to that fact. My account has been under the same name and address details since it was originally created. To prove my identity to them I send in a real life picture of my ID/drivers license and showed them a picture of one my utility bills with the same name and address that is registered on the account. They are telling me that I am NOT the original owner after showing them all this information proving my identity to them. How can that be legal? I have done no violation of the terms of service and contact.

“After reviewing the logs, I found that control of this account was transferred from the original creator to a new user. This activity is prohibited by the User Agreement and Rules of Conduct. Due to the severity of this violation, this account has been permanently closed.

User Agreement: Found on NCsoft website
Rules of Conduct: Found on NCsoft website

Sincerely,

GM Annai”

They refuse to show me any evidence and pretty much told me I am lieing about my identity even after proving myself to them.

Driver’s License & Social Security Card have different first name

jedwan — Sat, 23 Apr 2011 00:54:44 +0000

We are hiring a new employee, when reviewing his identity submitted for the I-9 form I noticed that the first name is different on their social security card than on their driver’s license and what had been submitted on their application. My boss “knows” the person and when I told him that I would have to use the name as it is on the social security card for payroll purposes he profoundly told me “No. Use his name as it is on his driver’s license” he went on about the SS card not being legal ID, which I understand, but as far as the IRS is concerned (for payroll taxes) I believe I am to use the name as it appears on their social security card.

Am I wrong? Please provide “back up” for either way – documentation, legal reference. This is not the first time I am told to do things they way my boss says regardless of if it is legal. I also told him I cannot accept photo copies of the driver’s license and social security card – he told me otherwise (and none to pleasantly). I am always in battles with him over what he says is the way to do things and what I feel is the legal way to do things.

Identity Theft by Family Member

jedwan — Thu, 31 Mar 2011 07:46:35 +0000

A family member used my name to get electricity and did not pay the bill. This happened several years ago and is now in collections. I was made aware several months ago and recently checked my credit report, where the collection is now listed. I was told that the only way to get it off, is to file a police report for the identity theft. My question is: What will happen to the family member if I file the police report? The amount of the debt is about $1200. Do the courts actively pursue all cases? I don’t have the money to pay this off, and even if I would, it would leave a stain on my otherwise clean credit file. Not sure what to do, the family member is single mother with two small children.:mad:

Can’t Get a Credit Report

jedwan — Mon, 07 Mar 2011 13:47:16 +0000

I’m a 20-year-old who tried getting a FICO report through this site as well as my free annual credit report through Experian, TransUnion and Equifax. However, none of the four sites will give me a report because they are unable to confirm my identity. The information I provided is correct. Could this be because I have no credit history at all?

I’ve never had a credit card or taken out a loan, but I wanted to make sure if there was anything in my record it was correct. I plan on applying for a credit card soon and am afraid I might be denied because of an error in my credit card.

CC Blocked – And Security Questions Do Not Pertain to Me – Now What?

jedwan — Fri, 14 Jan 2011 10:29:37 +0000

Hello All,

I hope someone can help me. Three weeks ago, I got stuck out of town without the ability to use my HSBC Discover card after I had used it the night before. HSBC locked it as part of a fraud alert because I dared use it out of state, then began to ask me a series of questions that did NOT pertain to me, therefore, I could not correctly answer the questions! They insisted that the information they had came from my credit report and/or public records. Even going into a branch did not help resolve this issue, and last Friday, I had to fax in a ton of information to prove my identity – I did with a long critical letter as well - Well, tonight I checked ALL THREE reports and NONE of the information they tested me on appears on ANY of the credit reports.

They finally did unblock my card tonight , but I am so darn afraid of this happening again when I just cannot convince these people that I cannot choose a previous address from a list when I, in fact, have never lived at ANY of the provided addresses! Now what am I supposed to do?

Any nervous about using Credit Karma?

jedwan — Tue, 26 Oct 2010 08:38:57 +0000

I find it odd that a site would give you access to your credit report free of charge. Then it dawned on me: they clearly get you to divulge your SSN, identity info, and all other good stuff that could be used to actually steal your identity. Doesn’t that strike anyone as ODD?? The Big 3 scoring bureaus (and myFICO) have an obvious motivation–provide credible information for a fee. No extraordinary / exceptional risk in inputting your information into their system. But CK has no obvious motivation and seems EXCEPTIONALLY risky.

Thoughts?

Related Blogs

Related Blogs on Any nervous about using Credit Karma?

Credit Report of Deceased

jedwan — Mon, 19 Apr 2010 12:04:50 +0000

My wife passed away about 7 months ago. We’re young so we had online accounts for just about everything. All of her stuff is closed (or should be). Should I worry about pulling a credit report at some point to check that no one is trying to get credit with her identity? While I know I won’t be liable if her identity is stolen the resulting paperwork I’m sure would not be fun so the paranoid person in me thinks I should watch it.

Credit Monitoring Service (CMS) Guide

jedwan — Mon, 12 Apr 2010 17:15:28 +0000

Credit Monitoring Service (CMS) Guide

Does anyone have any experience with trusted ID or any other ID Theft protection?

jedwan — Thu, 08 Apr 2010 12:48:50 +0000

I am looking into buying an Identity Theft Protection program and I have heard bad things about almost all of them. Please send me your reviews.. This is the only one that I’ve been able to find that compares them, but its from LifeLock