Re: Fwd: Free Credit Freezes in September

[http://dummy.us.eu.org/robert (Robert)]

This would've saved me $30 when we bought our house.  Then, again, this
was probably the least expense of any of the cost...

 > From: Flora <http://www..family/~flora>
 > Date: Tue, 5 Jun 2018 17:19:13 -0400
 >
 > I was not aware of this new federal law, that allows consumers to place and
 > lift credit freezes at no charge. Just want to pass the good word.
 > 
 > Incidentally, Vermont just passed its own law, which took effect last week,
 > allowing Vermonters the same thing.
 > 
 > ---------- Forwarded message ---------
 > From: Scamicide <http://www.wordpress.com/~comment-reply>
 > Date: Tue, Jun 5, 2018, 5:07 PM
 > Subject: [New post] Scam of the day â?? June 6, 2018 â?? Free Credit Freezes in
 > September
 > To: <http://www.gmail.com/~flora>
 > 
 > Steven Weisman, Esq. posted: "While many consumer groups have quite
 > legitimately criticized the recently passed federal legislation that
 > abolished many of the banking regulations that were put in place to combat
 > some of the problems that brought about the financial meltdown of 2008, o"
 > Respond to this post by replying above this line
 > New post on *Scamicide*
 >
 > <https://scamicideblog.wordpress.com/author/scamicideblog/> Scam of the day
 > â?? June 6, 2018 â?? Free Credit Freezes in September
 > <https://scamicideblog.wordpress.com/2018/06/05/scam-of-the-day-june-6-2018-free-credit-freezes-in-september/>
 > by
 > Steven Weisman, Esq.
 > <https://scamicideblog.wordpress.com/author/scamicideblog/>
 > 
 > While many consumer groups have quite legitimately criticized the recently
 > passed federal legislation that abolished many of the banking regulations
 > that were put in place to combat some of the problems that brought about
 > the financial meltdown of 2008, one part of the new law that has been
 > largely unreported is a provision that will enable anyone to freeze and
 > unfreeze their credit with each of the credit reporting bureaus at
 > absolutely no cost. While in the wake of last year's massive data breach at
 > Equifax, many Americans froze their credit at each of the three major
 > credit reporting bureaus, Equifax, Experian and TransUnion, a recent study
 > done by Consumer Reports indicates that 52% of people aware of the Equifax
 > data breach have not frozen their credit.
 > 
 > The very best thing you can do to protect yourself from many forms of
 > identity theft is to put a credit freeze on your credit report at each of
 > the three major credit reporting agencies.  However, the credit reporting
 > agencies are recommending that you use a new invention of theirs which they
 > call a "credit lock" instead of a credit freeze to protect your data.  They
 > tout them as being more convenient and tie them into other services.
 > However, the truth is that you are better off with a credit freeze than
 > with a credit lock.  Credit freezes are governed by laws that protect you,
 > while credit locks are creations of the credit reporting agencies pursuant
 > to contracts which they can change at will.  Quite frankly, I don't trust
 > any of the credit reporting agencies to have our best interest as their
 > primary motivation so I believe you are better off choosing to put a credit
 > freeze on your credit reports at each of the three major credit reporting
 > agencies rather than a credit lock.
 > 
 > For more information about credit freezes check out this article I wrote
 > for the Saturday Evening Post which described credit freezes in detail.
 > 
 > http://www.saturdayeveningpost.com/2017/08/23/health-and-family/business-and-technology/con-watch-credit-freezes-best-protection-identity-theft.html
 > 
 > The new federal law allowing you to freeze and unfreeze your credit reports
 > for free goes into effect in late September. I will remind you again as the
 > effective date of the law approaches although frankly, the cost of
 > initially putting a credit freeze on your credit reports is small enough
 > such that you should consider doing so before then. Presently the cost is
 > determined by the state in which you live.
 > 
 > TIPS
 > 
 > To get started, itâ??s best to first understand the laws and fees governing
 > credit freezes in your state. Here is a link to a listing of the all of the
 > state laws.
 > 
 > http://www.ncsl.org/research/financial-services-and-commerce/consumer-report-security-freeze-state-statutes.aspx
 > 
 > To get the maximum protection from identity theft, it is important
 > to freeze your credit at each of the three major credit reporting
 > agencies. Here are links to each of them with instructions about how to get
 > a credit freeze:
 > 
 > https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp
 > https://www.transunion.com/credit-freeze/place-credit-freeze
 > https://www.experian.com/freeze/center.html
 > 
 > Once you have frozen your credit, be sure to keep the PIN and information
 > on how to unfreeze your credit report in a safe place.