Think You’ve Got Your Credit Freezes Covered? Think Again
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Think You’ve Got Your Credit Freezes Covered? Think Again
1–10 of 88 posts
Re: Think You’ve Got Your Credit Freezes Covered? Think Again
#2I'd pay money for a service that monitors who all the services are in the credit reporting space and freezes my credit at them for me.
Re: Think You’ve Got Your Credit Freezes Covered? Think Again
#3I'd pay money for a service that monitors who all the services are in the credit reporting space and freezes my credit at them for me.
I would rather anyone opening a line of credit be required to obtain proof of acceptance by the person named on the account and until doing so they are 100% liable for all debts incurred. How this is defined will require regulation. The burden is increased at any time a request is made outside of the state and city of residence
Re: Think You’ve Got Your Credit Freezes Covered? Think Again
#4I'd pay money for a service that monitors who all the services are in the credit reporting space and freezes my credit at them for me.
I would rather anyone opening a line of credit be required to obtain proof of acceptance by the person named on the account and until doing so they are 100% liable for all debts incurred. How this is defined will require regulation. The burden is increased at any time a request is made outside of the state and city of residence
Call your local representative and demand this then. That is how legislation is enacted.
Re: Think You’ve Got Your Credit Freezes Covered? Think Again
#5Bottom line: Whenever possible, wherever possible, pay cash.
I used to laugh at my father-in-law whom I once considered to be a conspiracy theory whackjob with his off-the-grid lifestyle. As more and more of his "crazy" insights turn into New York Times headlines, I'm starting to think he was ahead of the curve.
Re: Think You’ve Got Your Credit Freezes Covered? Think Again
#6Earlier quoted context omitted.
I would rather anyone opening a line of credit be required to obtain proof of acceptance by the person named on the account and until doing so they are 100% liable for all debts incurred. How this is defined will require regulation. The burden is increased at any time a request is made outside of the state and city of residence
Call your local representative and demand this then. That is how legislation is enacted.
> That is how legislation is enacted
If only that were true.
Re: Think You’ve Got Your Credit Freezes Covered? Think Again
#7Bottom line: Whenever possible, wherever possible, pay cash. I used to laugh at my father-in-law whom I once considered to be a conspiracy theory whackjob with his off-the-grid lifestyle. As more and more of his "crazy" insights turn into New York Times headlines, I'm starting to think he was ahead of the curve.
Privacy Aspects of the Cashless and Checkless Society. Testimony before the Senate Subcommitee on Administrative Practice and Procedure. Paul Armer 1968
https://www.rand.org/content/dam/rand/pubs/papers/2013/P3822...
Re: Think You’ve Got Your Credit Freezes Covered? Think Again
#8Earlier quoted context omitted.
I would rather anyone opening a line of credit be required to obtain proof of acceptance by the person named on the account and until doing so they are 100% liable for all debts incurred. How this is defined will require regulation. The burden is increased at any time a request is made outside of the state and city of residence
Call your local representative and demand this then. That is how legislation is enacted.
Yeah if you want to name a dog park after your brother-in-law who died in Iraq, that's how legislation is enacted. A giant change in how commerce is conducted, directly counter to the interests of major political donors? You can't be serious...
In case it wasn't clear, I certainly support Shivetya's excellent suggestion to improve society for humans who live in it. I'm just not as optimistic about personal lobbying as you are.
Re: Think You’ve Got Your Credit Freezes Covered? Think Again
#9I'd pay money for a service that monitors who all the services are in the credit reporting space and freezes my credit at them for me.
I would rather anyone opening a line of credit be required to obtain proof of acceptance by the person named on the account and until doing so they are 100% liable for all debts incurred. How this is defined will require regulation. The burden is increased at any time a request is made outside of the state and city of residence
This is already the law. You are not responsible to pay debts incurred by another person. The problem is when the bank or company that gave credit to someone else that used your identity information is allowed to lie to a credit bureau about the fact that it was you who defaulted on the debt. Otherwise you could just tell the bank, "Pound sand stranger, I never borrowed any money from you. Stop bugging me or I'll get a restraining order.", and never have worry about how someone has pretended to be you to a bank.
Large fines for banks and companies that libel people by telling information brokers lies is the way to stop this problem. The idea that when this happens it is "identity theft" and the person whose identity was stolen is responsible for the problem is ridiculous. This problem should be called libel and the perpetrators (the entity reporting false info that hurts you) punished.
Re: Think You’ve Got Your Credit Freezes Covered? Think Again
#10Bottom line: Whenever possible, wherever possible, pay cash. I used to laugh at my father-in-law whom I once considered to be a conspiracy theory whackjob with his off-the-grid lifestyle. As more and more of his "crazy" insights turn into New York Times headlines, I'm starting to think he was ahead of the curve.
Stallman was right:
I never pay for anything on the Web. Anything on the net that requires payment, I don't do. (I made an exception for the fees for the stallman.org domain, since that is connected with me anyway.) I also avoid paying with credit cards . For freedom's sake, insist on paying cash. When a business pressures you to pay in an identified way, that means your help as a citizen is needed: say, "If you won't take my cash, no sale!"