Someone can open credit in your name without you knowing
How to find out the same day and not pay someone else's debt: SmartCredit, 15 minutes to set up.
To open a card or a loan in your name, a fraudster only needs your Social Security number and date of birth. Your Social has almost certainly been in data breaches already. Someone else's debt will appear on your report silently, and you will learn about it a year later, when a collector calls.
He came to review his report before a car loan. We open it together: an $11,400 credit card opened in another state, a Planet Fitness membership with a collection for a year of non-payment, and a $24,000 medical debt for treatment he never had. A total of $37,000 in someone else's debts, a 540 score and a bank denial. In two years he did not get a single letter: everything went to the fraudster's address. We are still sorting it out.
The solution: SmartCredit
Three-bureau monitoring: an alert on your phone the day someone applies in your name, one call to the bank, and there is no debt. Plus $1,000,000 identity theft insurance. About $30 a month. It is the same report we ask for when we do a free review.
How to turn on protection
- Sign-up. Use the button above: name, address, e-mail, Social, date of birth, card for payment.
- Insurance. In the Identity menu open $1 Million Fraud Insurance and press Activate Insurance: the insurance is included in the subscription but is switched on with a button. After that the status shows Active.
- Notifications. In Alerts turn on push and e-mail.
- The report to us. Download the three-bureau report and send it to a manager. The review is free.
SmartCredit is a third-party service; insurance terms are defined by its agreement.