You can follow up on whether they opened the accounts they said they would by checking your credit reports for free (once every 12 months). If someone you trust wants to help you by doing a new credit card application for you, they can tell you, you can "lift" the freeze on your own, after which they can proceed with the application. You should arguably not share any of these passwords with anyone - including family members (there are instances of parents opening credit cards in their child's name and racking up huge debts). Do not use variations of a password you can remember. Use randomly generated passwords for each credit bureau. If you don't use a password manager, I strongly recommend you start. The most "tricky" aspect to this is making sure you don't lose the relevant info (i.e. Relevant pages to place a freeze at the "big 3" credit bureaus (the ones used when applying for credit cards): It's a minor inconvenience that takes a few minutes of your time, and can save you from a massive, life-altering headache. It costs nothing to freeze your credit reports, nor to "lift" the freeze for a day or two as needed when you want to apply for a new credit card or something similar. In this day and age, especially after the 2017 Equifax data breach, you should simply assume that someone has or can easily get your social security number and relevant personal info, with which they could open a credit card or other credit account in your name. when applying for a new credit card, car loan, apartment rental, etc.). If that's rule #1, then this should be rule #0: Your credit reports should be kept frozen, and "thawed" or "lifted" only as needed (i.e. In this sub-reddit, we have an unwritten "rule #1" which is to always pay your card in-full and on-time. No promotion of illegal, fraudulent, or nefarious activities No self-promotional content with prior mod approval. No referrals in posts, comments, or private messages. PIN, Signature).Ĭapital One Upgrade Link - Check PC eligibility for your existing card List of credit card company phone numbersĬredit Card Tuneup or CreditIntro to help you find the right cardĮMV CVM Database - Find a card's Cardholder Verification Method list (e.g. Template for Card Recommendation Requests Suggestions, Ideas, and Feedback - Post your suggestions hereĬreditKarma - Uses TransUnion and EquifaxĬreditSesame - May use Transunion or Experian depending on service Official User Flairs Thread - Learn how to customize your user flair
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