Saturday, August 14, 2010

Third Step: Consult the All Mighty Google

     Having followed the steps provided by Discover and not really getting any further down the path I did what everyone does when they have a question that need to be answered consult the Google for my next steps. Rapidly scanning through everything from FTC.gov to countless adds for credit monitoring and identity theft prevention services it became apparent that for basic information I do not have to pay for a credit report from each of the bureaus, but in order to have the data consolidated you need to shell out some money.
    
     The next several hours I spent researching all of my different options and I have to admit that finding any reliable feedback on any of them was very challenging. The review sites that I found from google were divided between sites that did a good job trying to make them seem impartial, but if you read through all of the sites' reviews none of them had anything to really say and were just blatant affiliate sites trying to make money, to the obvious sites that might as well have just been run by the vendor themselves.  If you search on any of the actual companies you will mainly find news articles about how much of a rip-off each service is which is most likely true, but like any other review on the web you have to figure in the simple fact that they wrote the review was because they were angry about something and there is always a disproportionate number of angry motivated people then happy motivated people.
    
     Despite this being the most time intensive exercise it did yield some of the most valuable information and at least gave me my next steps of contacting all of the credit bureaus to file fraud alert to and then getting a full credit report from all three bureaus and reviewing any recent inquires or new accounts on my report.

Task Completed:

  1. Placed Fraud Alert on my Trans Union credit report
  2. Called local police to start the process of filing a police report
  3. Researched google to figure out next step 

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