kls_eloise (kls_eloise) wrote,

A Public Service Announcement

Check your credit reports people.  Just 'cause.

Identity theft is becoming a very big business - we just had a mild brush with it.  Luckily, only one account was hacked rather than full blown identity theft.  But one of the lawyers I work with had it happen, and it took him YEARS to get it straightened out.  There is no excuse not to check - the government requires the credit reporting companies to give you a free report every year.  Free.  You hear?  FREE.  You can do it on line, over the phone, through the mail.

There is NO reason or excuse not to.  I pulled ours last night.  It took maybe 30 minutes (not counting the swearing at TransUnion.)

All you have to do is go to www.annualcreditreport.com and follow the directions.  I suggest that you get each of them separately.  That way if there's anything to dispute, you'll be able to dispute online with each of them.  TransUnion tends to be a real bitch - I've never gotten them to admit that I'm actually me online - I always have to call and get one through the mail.  I suspect they do that intentionally, but I digress.

Each report is viewable for 30 days, and printable.  If you want a credit score you'll need to pony up some money.  But the report is free, and oh so valuable.  I check ours every year when I do the taxes.  So go - check your credit report, and stymie the bad guys.

Why are you still here reading this?  Go check that report.  www.annualcreditreport.com  Go now.

May you all  find nothing untoward.

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