Creative Commons License

 

» Welcome to ScamSafe

This website is a blog about consumer credit, identity theft protection, scams, security, fraud, privacy, credit reports, credit monitoring and credit scores.

Please read our legal notices.


» What is the difference between credit freeze and credit lock?

A credit lock is different from a freeze. A credit freeze (aka security freeze) is governed under state laws, credit locks are not.

These are the bureaus' credit lock services. A lock is one feature that may be included with other product benefits.

http://www.experian.com/consumer-products/creditlock.html

https://www.transunion.com/product/credit-lock

http://www.equifax.com/lockandalert/


Posted on September 28, 2017 at 12:53 PM | Permalink

» Equifax Data Breach - 3 Steps To Protect Yourself

What you can do about the Equifax data breach.

  1. Equifax set up a website, equifaxsecurity2017.com, to help you determine if your data was part of the hack (hint: it probably is). Equifax will be providing free credit monitoring to anyone affected. Whether you want to sign up with them after this hack, is up to you.
  2. Set up a fraud alert, for free, by calling one of the three credit bureaus: Equifax, TransUnion, or Experian. By law, the bureau you contact must share that alert with the other two bureaus. You only need to contact one. The FTC website explains how. An alert does not actually alert you personally! It puts some words on your credit file to inform credit grantors to contact you if anyone applies for credit in your name (including you). They aren't required by law to actually contact you, but most do.
  3. Add a security freeze on your credit file. You may have to pay for this. You must lift it temporarily when you apply for new credit. You have to individually call each of the three nationwide credit reporting companies. You'll need to supply your name, address, date of birth, Social Security number and other personal information. Fees vary based on where you live, but commonly range from $5 to $10. The FTC has complete details on this.
    Equifax — 1-800-349-9960
    Experian — 1‑888‑397‑3742
    TransUnion — 1-888-909-8872

 


Posted on September 8, 2017 at 10:28 AM | Permalink

» Equifax data breach - 143 million US consumers

Equifax reports cybersecurity incident could impact 143 million Americans. It may be one of the few largest breaches in history. Hackers accessed names, Social Security numbers, birth dates, addresses and driver’s license numbers. Also, credit card numbers for over 209,000 consumers were accessed. 

EFX discovered the breach on July 29 and the unauthorized accesses took place from mid-May until July.

More: Atlanta J-C 

Three steps to protect yourself from the Equifax data breach

 


Posted on September 7, 2017 at 02:25 PM | Permalink

» White label credit monitoring - Top provider

Truston is a top provider of white label credit monitoring for businesses that need their clients to provide credit reports and credit scores. They can be reached at 800-960-5512 or mytruston.com.


Posted on June 12, 2017 at 12:19 PM | Permalink

» White label credit monitoring

If you need white label credit monitoring, the market leader is Truston. Reach them at (800) 960-5512 or www.mytruston.com. Truston provides private label credit monitoring, white label credit reports, white label credit scores, white label identity protection. Business partners earn one-time or recurring revenue commission. They have a partner program for affiliates.


Posted on March 13, 2017 at 08:41 AM | Permalink

» Credit bureau fraud numbers

Phone numbers to call for customer service at the credit reporting companies if you suspect fraud or identity theft.
 
Experian 800-509-8495 option 2, 2, 3
 
TransUnion 855-681-3196 option 3
 
Equifax 877-528-6481 option 1


Posted on February 12, 2017 at 04:40 PM | Permalink

» Medical identity theft tips

Medical ID theft is a dangerous and growing threat. This article provides some tips to protect yourself. more...


Posted on December 31, 2016 at 06:44 PM | Permalink

» Report on the high identity theft rate in DC

There is a new report that describes that the District of Columbia is the area with the most ID theft and fraud in the United States. more...


Posted on December 31, 2016 at 06:41 PM | Permalink

» Mall of America Clerk Busts Identity Theft Ring


Police say an alert clerk at a jewelry store inside Mall of America helped uncover an identity theft ring that involved multiple victims.

The incident happened Wednesday, Jan. 20, at a Mall of America jewelry store. A clerk said a man and woman came into the store and asked to see a $5,000 Rolex for a friend in Hong Kong. They said they wanted to buy it, so the woman provided a Visa card and Connecticut ID, according to the complaint.

More: http://kstp.com/news/stories/s4028548.shtml


Posted on January 27, 2016 at 01:17 PM | Permalink

» Neiman Marcus Data Breach Worse Than Originally Thought

The theft of consumer data from Neiman Marcus appears far deeper than had been disclosed originally, with the luxury retailer now saying that hackers invaded its systems for several months in a breach that involved 1.1 million credit and debit cards.

The malware installed on terminals in Neiman Marcus stores seems to be the same malware that infiltrated Target’s systems and exposed information from as many as 110 million customers, according to a person briefed on the investigations who spoke on the condition of anonymity and is not authorized to speak publicly about the attacks.

Investigators have not revealed whether the same cybercriminals are suspected in both breaches, although investigators and security specialists have described a loose band of hackers from Eastern Europe as the likeliest suspects in the Target theft. Security specialists working with the authorities have said that the hackers were considering several major retailers as potential targets.

In a statement posted on its website Wednesday night, Neiman Marcus said that the malware had been “clandestinely” put into its system and had stolen payment data off cards used from July 16 to Oct. 30. MasterCard, Visa and Discover have told the company that about 2,400 cards used at Neiman Marcus and its Last Call outlet stores have since been used fraudulently.


Posted on January 28, 2014 at 09:28 AM | Permalink

IMPORTANT LEGAL NOTICES