Quote:
Originally Posted by retiredguy123
As I understand it, it is almost impossible to change your Social Security number. I have had the same number for my entire life and thousands of people have had access to it. But, I have never froze my credit and I don't intend to. So, I guess I am a sitting duck.
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You don't have to be a sitting duck. Here is how it works. I find your name, SSN, previous address, birthdate online. Apply for a loan or credit in a different state. Buy stuff. Never pay for it.
Why does that work? Because, you are in state A. The police pretty much won't get stuff from the bank or credit company in state B.
Credit freeze prevents that from happening. The credit company won't be able to verify your data from somebody else, because the reporting company will deny it. Then the offender may get arrested on the spot. Probably not. But at least you won't spend hours reporting and documenting that it was not you!
Why do you think I know about this?
