Posts Tagged Social Security
TransUnion Personal Credit Report Phone and Related Information
Hector Milla asked:
With credit card agencies fluffing up their marketing strategies to encourage sign up and identity thieves stealing those same offers out of trash bins it’s a wonder anyone has any credit anymore. We all know who the credit reporting agencies are, but seldom take the chance to contact them until it’s too late.
TransUnion is one of the three most notable credit reporting agencies in the country. For more than 30 years they have dedicated themselves to helping consumers across five continents to collect and review the information necessary to build a strong financial foundation.
However, there is only so much the agency can do on its own. It’s up to the individual to obtain a copy of their credit report at least once a year to check for inaccuracies. This ensures that the information that has been assigned to you is truly yours. By going to TransUnion’s website you can perform a variety of activities to not only check your report, but enhance the services that you receive from the agency.
To obtain your free yearly copy of your report:
Call toll free: 1- 800- 888- 4213
Make your request online or download the form and mail it in.
One thing many parents forget is that once their child receives a social security number, they are open to identity theft as well. While you are checking your own credit, take a look at theirs too. Make sure your child does not become a victim of identity theft:
Call toll free: 1- 800- 680- 7289
TransUnion Fraud Victim Assistance Department
P.O. Box 6790
Fullerton, CA 92834
It really is important to opt out of those prescreened marketing campaigns made by credit card companies. Mainly is because we fail to dispose of them properly by shredding or otherwise obscuring the validation codes on the offers. These numbers give thieves the opportunity to open up credit cards in your name.
Call toll free: 1- 888- 567- 8688
TransUnion Name Removal Option
P.O. Box 505
Woodlyn, PA 19094
It can take years to recover from the financial devastation created when someone steals your identity. As stated before TransUnion can only do so much from its end to protect you. From there it is up to you as the individual consumer to be sure that there is not someone in Texas claiming to be you as they purchase that $45,000 boat.
Rebecca
With credit card agencies fluffing up their marketing strategies to encourage sign up and identity thieves stealing those same offers out of trash bins it’s a wonder anyone has any credit anymore. We all know who the credit reporting agencies are, but seldom take the chance to contact them until it’s too late.
TransUnion is one of the three most notable credit reporting agencies in the country. For more than 30 years they have dedicated themselves to helping consumers across five continents to collect and review the information necessary to build a strong financial foundation.
However, there is only so much the agency can do on its own. It’s up to the individual to obtain a copy of their credit report at least once a year to check for inaccuracies. This ensures that the information that has been assigned to you is truly yours. By going to TransUnion’s website you can perform a variety of activities to not only check your report, but enhance the services that you receive from the agency.
To obtain your free yearly copy of your report:
Call toll free: 1- 800- 888- 4213
Make your request online or download the form and mail it in.
One thing many parents forget is that once their child receives a social security number, they are open to identity theft as well. While you are checking your own credit, take a look at theirs too. Make sure your child does not become a victim of identity theft:
Call toll free: 1- 800- 680- 7289
TransUnion Fraud Victim Assistance Department
P.O. Box 6790
Fullerton, CA 92834
It really is important to opt out of those prescreened marketing campaigns made by credit card companies. Mainly is because we fail to dispose of them properly by shredding or otherwise obscuring the validation codes on the offers. These numbers give thieves the opportunity to open up credit cards in your name.
Call toll free: 1- 888- 567- 8688
TransUnion Name Removal Option
P.O. Box 505
Woodlyn, PA 19094
It can take years to recover from the financial devastation created when someone steals your identity. As stated before TransUnion can only do so much from its end to protect you. From there it is up to you as the individual consumer to be sure that there is not someone in Texas claiming to be you as they purchase that $45,000 boat.
Rebecca
how do i remove company debt from my credit report?
hiii_98 asked:
this collection agency has been calling me for years about a collection over a debt my company refused to pay. The amount was 500.00. The service was setup under my LLC company’s name and tax id. But now i see that my credit score and credit report has been affected by the collection agency. I have been ignoring them for hte past 6 years because the debt (which my company protested) should have been posted against my company’s credit score not my personal. Especially with this being a limited liability coorporation what can i do to remove or dispute the charge? I had FLAWLESS credit prior to this and i’m beyond pissed. I am the ceo of the company however my social security number was definately not used when the account was setup. Any advice on how i can proceed? Do i just pay the debt and suffer the horrible score? Or where they in the wrong to place this debt on an employee?? and do i have any recourse so that i can fix my credit score? ANY advice would be appreciated.
no one knows the answer? So any employee can get reported for his/her company’s actions?!?
Dana
this collection agency has been calling me for years about a collection over a debt my company refused to pay. The amount was 500.00. The service was setup under my LLC company’s name and tax id. But now i see that my credit score and credit report has been affected by the collection agency. I have been ignoring them for hte past 6 years because the debt (which my company protested) should have been posted against my company’s credit score not my personal. Especially with this being a limited liability coorporation what can i do to remove or dispute the charge? I had FLAWLESS credit prior to this and i’m beyond pissed. I am the ceo of the company however my social security number was definately not used when the account was setup. Any advice on how i can proceed? Do i just pay the debt and suffer the horrible score? Or where they in the wrong to place this debt on an employee?? and do i have any recourse so that i can fix my credit score? ANY advice would be appreciated.
no one knows the answer? So any employee can get reported for his/her company’s actions?!?
Dana
Credit Report – How to Correct Errors and Improve Your Credit Score
Peter Fisher asked:
The people who compile your personal credit report are human just like you and me and they can make mistakes while compiling your reports from the various sources they use.
So to correct errors and improve your credit score, requesting a copy of your report frequently can be very important. Although this will cost a small fee, it will allow you to know what they have compiled about you. If you discover unfavorable information, you can ask for corrections before they start disseminating inaccurate information about you.
When you get a copy of your personal credit report to determine the status of your credit file, study the information carefully and attempt to remove all incorrect information in it. As all your credit history may not be contained in one file from one firm, if possible get the files from other firms too. Some information may be duplicated, or not included at all in the other file.
To correct errors and improve your credit score, you need to check your full name, social security number, current and previous addresses, spouse’s name, and date of birth and make sure that they are all correct because they are some of the points used in identifying you. Also, make sure that any merchants’ names, credit account numbers, date opened, date closed, high credit limit, highest amount of credit used, and repayment history are correct, current and accurate.
If after studying the file carefully you spot any errors, write out the exact error and the way you think it should be listed. You will find a space on the right-hand side of your report where you may challenge any item in your report that you feel is wrong or incorrect. You will have to attach photocopies along with pertinent information as proof of your claim and send it to bureau or credit reference agency by mail. When they get your message they will investigate and send you the results of their findings. Be patient, because it may take the agency some time to complete their investigation.
The fact that not just one agency may compile information about you may make it almost impossible for you not to encounter problems in future. When you apply for credit in a bank, in stores or any with a lending company you may be turned down. This does not mean the agency you filed error corrections with haven’t made the changes, it’s more likely that the bank or store you are trying to deal with have another report from a different agency about you.
So anytime that you are denied credit, you have the right to know why you were turned down! If the bank or stores used a credit report agency, they must provide you with the name and address of the agency that supplied them with the report.
Once you have the contact information of the agency involved, you should make an immediate effort to contact the credit agency, so that you can review your credit report, find out any information that is causing you to be denied credit, and make corrections if you have enough evidence to back up your claims. Otherwise how can you correct errors and improve your credit score?
Allen
The people who compile your personal credit report are human just like you and me and they can make mistakes while compiling your reports from the various sources they use.
So to correct errors and improve your credit score, requesting a copy of your report frequently can be very important. Although this will cost a small fee, it will allow you to know what they have compiled about you. If you discover unfavorable information, you can ask for corrections before they start disseminating inaccurate information about you.
When you get a copy of your personal credit report to determine the status of your credit file, study the information carefully and attempt to remove all incorrect information in it. As all your credit history may not be contained in one file from one firm, if possible get the files from other firms too. Some information may be duplicated, or not included at all in the other file.
To correct errors and improve your credit score, you need to check your full name, social security number, current and previous addresses, spouse’s name, and date of birth and make sure that they are all correct because they are some of the points used in identifying you. Also, make sure that any merchants’ names, credit account numbers, date opened, date closed, high credit limit, highest amount of credit used, and repayment history are correct, current and accurate.
If after studying the file carefully you spot any errors, write out the exact error and the way you think it should be listed. You will find a space on the right-hand side of your report where you may challenge any item in your report that you feel is wrong or incorrect. You will have to attach photocopies along with pertinent information as proof of your claim and send it to bureau or credit reference agency by mail. When they get your message they will investigate and send you the results of their findings. Be patient, because it may take the agency some time to complete their investigation.
The fact that not just one agency may compile information about you may make it almost impossible for you not to encounter problems in future. When you apply for credit in a bank, in stores or any with a lending company you may be turned down. This does not mean the agency you filed error corrections with haven’t made the changes, it’s more likely that the bank or store you are trying to deal with have another report from a different agency about you.
So anytime that you are denied credit, you have the right to know why you were turned down! If the bank or stores used a credit report agency, they must provide you with the name and address of the agency that supplied them with the report.
Once you have the contact information of the agency involved, you should make an immediate effort to contact the credit agency, so that you can review your credit report, find out any information that is causing you to be denied credit, and make corrections if you have enough evidence to back up your claims. Otherwise how can you correct errors and improve your credit score?
Allen
Identity Theft – Guard Your Children’s Social Security Numbers
Charles Essmeier asked:
Identity theft is a growing concern among Americans, and rates among the top five complaints received by states’ Attorney General’s offices. A stolen identity can lead to tens of thousands of dollars worth of debt in the victim’s name and it can take years to completely undo the damage done to the victim’s credit report. Identity thieves can successfully commit crime with as little as a driver’s license number or credit card number, but the ideal target of such criminals is the Social Security number. With that number in hand, the identity thief can pass themselves off as the victim and open credit card accounts, bank accounts, and even obtain home equity loans. As more Americans become aware of the problems posed by identity theft, consumers are doing more to protect themselves. This has inspired thieves to look to a new source of identities to steal, and they have found one. They are now stealing the identities of children.
Established in the 1930′s the Social Security Administration was set up to provide benefits for retired Americans. Taxes are withdrawn from the paychecks of eligible workers, and each worker is issued a Social Security number in order to keep track of his or her benefits. Over the years, and despite the intentions of those who created the system, the Social Security number has become a de facto national identity number. It is difficult, if not impossible, to engage in most financial transactions without providing that number to the other party in the transaction. In fact, the number itself has become as important as the name of the person who holds it. Over the years, criminals have discovered that by obtaining the Social Security number of someone else, all kinds of illegal activities are possible, including obtaining loans in the names of the owner’s of the stolen numbers.
With more people now aware of the potential of identity theft, consumers are more carefully protecting their personal information. As a result, thieves are now targeting the Social Security numbers of children. A law passed in 1989 requires parents of newborn infants to register for a Social Security number for their child. That child will probably not need that number until he or she is a teenager, when the number might be necessary to obtain a driver’s license, open a bank account, or get a job. In the meantime, the number is not only unused, but the theft of it may go unnoticed. Thieves who obtain a Social Security number of a child know that they can probably use it for a decade without being caught.
How can you protect your child from identity theft? Treat your child’s personal information as if it were your own, and guard it carefully. Don’t give out the Social Security number of your child unless it is absolutely necessary, and if you aren’t sure if it’s necessary, ask. Some doctors and hospitals, for instance, request the number as a matter of course, but they may not actually need it.
Check to see if your child has a credit report. You can obtain one for free at the free credit report Website. Your child, if not working, shouldn’t have a credit report, so if the credit bureaus have one on file, you may have a problem. A child’s personal information is as useful to an identity thief as that of an adult. Guard yours and your children’s identification carefully.
Todd
Identity theft is a growing concern among Americans, and rates among the top five complaints received by states’ Attorney General’s offices. A stolen identity can lead to tens of thousands of dollars worth of debt in the victim’s name and it can take years to completely undo the damage done to the victim’s credit report. Identity thieves can successfully commit crime with as little as a driver’s license number or credit card number, but the ideal target of such criminals is the Social Security number. With that number in hand, the identity thief can pass themselves off as the victim and open credit card accounts, bank accounts, and even obtain home equity loans. As more Americans become aware of the problems posed by identity theft, consumers are doing more to protect themselves. This has inspired thieves to look to a new source of identities to steal, and they have found one. They are now stealing the identities of children.
Established in the 1930′s the Social Security Administration was set up to provide benefits for retired Americans. Taxes are withdrawn from the paychecks of eligible workers, and each worker is issued a Social Security number in order to keep track of his or her benefits. Over the years, and despite the intentions of those who created the system, the Social Security number has become a de facto national identity number. It is difficult, if not impossible, to engage in most financial transactions without providing that number to the other party in the transaction. In fact, the number itself has become as important as the name of the person who holds it. Over the years, criminals have discovered that by obtaining the Social Security number of someone else, all kinds of illegal activities are possible, including obtaining loans in the names of the owner’s of the stolen numbers.
With more people now aware of the potential of identity theft, consumers are more carefully protecting their personal information. As a result, thieves are now targeting the Social Security numbers of children. A law passed in 1989 requires parents of newborn infants to register for a Social Security number for their child. That child will probably not need that number until he or she is a teenager, when the number might be necessary to obtain a driver’s license, open a bank account, or get a job. In the meantime, the number is not only unused, but the theft of it may go unnoticed. Thieves who obtain a Social Security number of a child know that they can probably use it for a decade without being caught.
How can you protect your child from identity theft? Treat your child’s personal information as if it were your own, and guard it carefully. Don’t give out the Social Security number of your child unless it is absolutely necessary, and if you aren’t sure if it’s necessary, ask. Some doctors and hospitals, for instance, request the number as a matter of course, but they may not actually need it.
Check to see if your child has a credit report. You can obtain one for free at the free credit report Website. Your child, if not working, shouldn’t have a credit report, so if the credit bureaus have one on file, you may have a problem. A child’s personal information is as useful to an identity thief as that of an adult. Guard yours and your children’s identification carefully.
Todd
can anyone check your credit reports?
jakdie999 asked:
Suppose someone has your Social Security, your first name, and your address. But assume he has incorrect personal info on everything else.
Suppose someone has your Social Security, your first name, and your address. But assume he has incorrect personal info on everything else.
Can he successfully check your credit history? If he worked at a company like Sprint, can he check your credit even more easily?
Kristen
What can be done when someone access’s ur credit info w/o ur permission?
SassySista asked:
My bf just called me to tell me about my credit score and things on my credit report.
He called up an agency telling them that I wanted to take out a personal loan. he gave them my social security # and then they called back and told him my credit score and what was on my credit report…. I have never spoken to these people so I never gave them my permission to do this… What can I do?
He wasn’t inpersonating me. he called them and told them I gave him permission to do that. My concern is that was a fine answer for them and they gave him my personal info without contacting me first. That’s what bothers me.
Bessie
My bf just called me to tell me about my credit score and things on my credit report.
He called up an agency telling them that I wanted to take out a personal loan. he gave them my social security # and then they called back and told him my credit score and what was on my credit report…. I have never spoken to these people so I never gave them my permission to do this… What can I do?
He wasn’t inpersonating me. he called them and told them I gave him permission to do that. My concern is that was a fine answer for them and they gave him my personal info without contacting me first. That’s what bothers me.
Bessie