Identity Theft, Credit Reports, and You | Kalzumeus Software


322 bookmarks. First posted by arcadiy 15 days ago.


This is outside my usual brief, but one of my hobbies is that I used to ghostwrite letters to credit reporting agencies and banks. It is suddenly relevant after the Equifax breach, so I’m writing down what I know to help folks who might need this in the future.
identity_theft 
4 days ago by kejadlen
Useful discussion of what to do when your identity/credit has been stolen
finance  howto  tips 
4 days ago by mclearc
How to work the system, legitimately, as a small cog within it.
advice  finance  howto  identitytheft  credit  frontline 
4 days ago by dogrover
Showing anger decreases the perception of risk of you filing a regulatory action or a lawsuit. This is counterintuitive to many people. The vast majority of people who show anger are showing anger because they want to show anger. They want someone to validate their emotions. They don’t want to be “disrespected” by the person in front of them. You don’t particularly care about the individual you’re writing to or whether they’re emotionally supportive of you. You want a resolution, no more no less. Professionals know that if they want emotional support they could just buy a dog.
advice  finance  howto  life 
5 days ago by kmt
This is outside my usual brief, but one of my hobbies is that I used to ghostwrite letters to credit reporting agencies and banks. It is suddenly relevant after the Equifax breach, so I’m writing down what I know to help folks who might need this in the future. via Pocket
IFTTT  Pocket 
5 days ago by regisd
Excellent article on how to resolve issues relating to your credit report. It's also excellent for dealing with any customer service issue.
howto  IdentityTheft  Legal  ProblemResolve  Customer  Banking  Credit 
5 days ago by lost_in_space
This is outside my usual brief, but one of my hobbies is that I used to ghostwrite letters to credit reporting agencies and banks. It is suddenly relevant after…
from instapaper
6 days ago by nickanderegg
This seems like informed advice about the Equifax breech. I don't know.
ifttt  facebook 
7 days ago by craniac
This is outside my usual brief, but one of my hobbies is that I used to ghostwrite letters to credit reporting agencies and banks. It is suddenly relevant after…
from instapaper
7 days ago by blanghals
Information about how to handle illegitimate accounts or charges, with credit reporting agencies.
7 days ago by saibotsivad
Identity Theft, Credit Reports, and You - Added September 15, 2017 at 11:29AM
finance  legal 
7 days ago by xenocid
This is outside my usual brief, but one of my hobbies is that I used to ghostwrite letters to credit reporting agencies and banks. It is suddenly relevant after…
from instapaper
8 days ago by johnrclark
This is outside my usual brief, but one of my hobbies is that I used to ghostwrite letters to credit reporting agencies and banks. It is suddenly relevant after…
from instapaper
8 days ago by adamlogic
This is outside my usual brief, but one of my hobbies is that I used to ghostwrite letters to credit reporting agencies and banks. It is suddenly relevant after…
from instapaper
9 days ago by scottsin
"Was an account opened in your name without your consent? Great, you’re in the right place. The rest of this article assumes that you’ve either checked a credit report or been told by a bank that an account exists in your name which you didn’t open. (There exist steps related to the below to help improve one’s situation in the circumstance where your problem is that you’ve not paid debts you legitimately owed, but that problem is out of scope here.)"
debt  creditreport  credit  finance  fraud  theft  howto  advice  future 
10 days ago by grahams
Don't sign up for "monitoring". Do read this blog!
equifax  advice 
11 days ago by yorksranter
This is outside my usual brief, but one of my hobbies is that I used to ghostwrite letters to credit reporting agencies and banks. It is suddenly relevant after the Equifax breach, so I’m writing down what I know to help folks who might need this in the future. via Pocket
IFTTT  Pocket 
11 days ago by k2theiely
RT : I wrote a little bit about credit reports and how to resolve problems with them if affected by identity theft.
from twitter
11 days ago by Groxx
This is outside my usual brief, but one of my hobbies is that I used to ghostwrite letters to credit reporting agencies and banks. It is suddenly relevant after…
from instapaper
11 days ago by mephaust
"What causes a regulatory incident? Bad behavior on the part of the bank? No. Banks screw up all the time; the screwups are literally forecast and budgeted for. Do regulators cause regulatory incidents? Generally no; they’re understaffed and underfunded, and they don’t go on fishing expeditions. The thing which causes regulatory incidents is well-organized people taking paper trails to regulators which allow a regulator to trivially follow up with an investigatory letter. Accordingly, anyone who sounds like a well-organized professional with a paper trail is a problem to be swiftly addressed. That, dear reader, can be you."
a:Patrick-McKenzie★★  p:Kalzumeus-Software★★  d:2017.09.09  w:5500  instructional  law  personal-finance  customer-service  regulation  from twitter
12 days ago by bankbryan
This is outside my usual brief, but one of my hobbies is that I used to ghostwrite letters to credit reporting agencies and banks. It is suddenly relevant after…
from instapaper
12 days ago by theory
"[...] I used to ghostwrite letters to credit reporting agencies and banks. It is suddenly relevant after the Equifax breach, so I’m writing down what I know to help folks who might need this in the future."
(author: Patrick McKenzie)
finance  advice  personal.finance 
12 days ago by sahara