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Subject I just found out someone tried to open up a credit card using

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[quote:Anonymous Coward 23487446:MV8yMDEzNzkzXzMzODUxMzIzXzczQ0UwMjI5]
[quote:Watching the world:MV8yMDEzNzkzXzMzODQ0OTc3X0VGRDZFMjE=]
I had the exact same thing happen to me 2 months ago.

[u]Here is what I did.[/u]

If you don't have any big transactions coming up such as buying real estate, and you do not expect to obtain any other new accounts that will require a credit inquiry, put a freeze on your credit.

You have to do this with all 3 credit bureaus in order for it to take place on all 3. You can do this online or over the phone. The only problem with doing this is if you need to have a credit inquiry it takes 30 days to have it removed.

The fraud alert that you placed on your credit is a great idea. I did this and I have been receiving monthly statements that tell me if there has been any questionable activity. Place this fraud alert with all 3 credit bureaus.

CREDIT KARMA is the only TRUE free credit monitoring site.

Good luck!:hf:
[/quote]

I did the freeze on all 3.  2 were pretty easy ; one took much longer and I had to speak with a person( did not go online).

This will prevent from someone using my credit ; right?

I hope
[/quote]

Original Message my maiden last name.

I need someone who is knows about this kind of fraud to help.

Greatly appreciated.

I had the credit card company call me to see if it was me trying to open the account.

They closed thee account lucky for me

But to further protect myself ; what do I do?

I contacted the 3 Major credit bureaus and did a fraud alert on my account

What else should I do? anything?

There are companies out there that can "lock" the credit accounts for a monthly fee.
Is this good to sign up for or a waste of money?

Anyone had experience with this??

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