Monday, December 13, 2010

Credit Security Freeze

I few things led to me request a credit security freeze with the two of major credit bureau's.  (I had already put one on it)
I got an offer from American Express Gold card today.  I laughed to myself since it was a little over a year and half ago that I was on a debt managment plan to pay off over $25K worth of bills.  Now American Express wants me to get a gold card?  How ironic! 
Just a note to my friends who wish to look into debt management plans...they work!  The only problem is you have to check them out to make sure they are legit. Do a check with the Better Business Bureau since there is a lot of bogus companies out there.  I used CCCS, Consumer Credit Counseling Service, which is the commercial that has Starsky & Hutch star Paul Michael Glazer in it.  It was worth the five years of my life to make sure my debt was paid off.  There was a light at the end of tunnel as I now own my own house.  I actually tried to go on it when I was getting a divorce years ago, but I was told my debt-income ratio was too high.  In otherwords, I didn't have enough to pay my bills.
So not only did I get an offer in the mail from AMEX, but I got a weird letter from HSBC (credit cards) saying I had changed my address.  I called on the account and confirmed no one charged anything and there were no changes made by me.  He said it was "their way of confirming my address".  Okay but close the account since I am very leery of identity theft.  So I hopped online and added security freezes (free if you live in SC) to the other two agencies.  Now no one can open an account, even me. 
True story...was in Best Buy opening a joint account and because I had security freeze on my account, a representative (on phone) from credit bureau had to prove it was me.  How weird is answering question about only something you know about your ex-husband, while new husband is standing right there.  Weird...but it worked!