"Notice of Data Security Incident" from C.R. England

Discussion in 'CR England' started by Moving Forward, Jun 5, 2022.

  1. Moving Forward

    Moving Forward Heavy Load Member

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    Has anyone else received a "Notice of Data Security Incident" letter from C.R. England? I just got one this week that was dated May 23, 2022, and I assume it's not a scam but you never know these days.
     
    77fib77 Thanks this.
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  3. tscottme

    tscottme Road Train Member

    Everyone should follow this link to learn how to "freeze" our credit. It is free, no monthly fee.
    How to Freeze Your Credit With Experian, Equifax and TransUnion

    Once you have frozen your credit files, not even you can open new credit, let alone someone with your personal info. DO NOT PAY for Life Lock or credit monitoring from any company. It prevents NOTHING. A credit freeze is like a deadbolt on your door. Life Lock or credit monitoring is like a "Do Not Enter" sign on your front door.

    You go to the Experian, Equifax, and TransUnion web sites, enter some info and answer some questions about past addresses or past loans, etc. They will give you a PIN number, NEVER LOSE THAT PIN NUMBER, and you can freeze your credit file. It only takes about 15 seconds to "thaw" your frozen credit file if you need to in the future.
     
    navypoppop and nredfor88 Thank this.
  4. nredfor88

    nredfor88 Road Train Member

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    I have my accounts frozen, but also use a monitoring service, actually two of them. One that I pay for, and for some reason I still have an active account from when I was an AAA (auto) member. I've never had to use the insurance, but it could be useful if I become a victim of identity theft. Why do you recommend against it?
     
  5. nredfor88

    nredfor88 Road Train Member

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    What does the letter say? If CRE had a breach, did they tell you what type of info was stolen?
     
  6. tscottme

    tscottme Road Train Member

    A monitoring service can only do things you can do, like disputing entries, etc. If the monitoring service is free, why not. If it costs money why pay them to do what you can do? If your credit bureau files are actually frozen, not LOCKED, NOBODY can open new credit lines. Not even you.
    Make sure your accounts are FROZEN, not LOCKED.
    Credit Lock vs. Credit Freeze: What’s the Difference?
     
    navypoppop Thanks this.
  7. Northern Nomad

    Northern Nomad Light Load Member

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    I had my identity stolen twice during the pandemic. Needless to say, my #### is on lockdown now. It is not fun to go through, and I recommend to anyone to freeze their credit. If you need a loan, or financing, you can thaw it and do what you need to do. It’s free, and only takes minutes.
     
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  8. nredfor88

    nredfor88 Road Train Member

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    I've had the following occur:
    + Back in the 90's the debit card for my joint checking account with my ex was compromised somehow. For 3 days in a row, the daily withdrawal limit of $500 was met by someone that had some type of copy of our debit card. Neither of ours were ever misplaced or missing. We found out when our account checking account had insufficient funds for a forth withdrawal. The cops said thieves recorded the strip of the card in special boxes they hide when swiping for a purchase at a store. The bank reimbursed, no further issues.

    + Around 2007 some dude was going around trying to cash those checks that credit card companies send in the mail. Apparently he had a fake copy of my drivers license that he was using with them. I found out about it when the court constable contacted me asking that I would testify in court that I'm the real nredfor88, and the other guy was indeed not me. That turned out okay, since the cops had him and I never was needed to testify because they had so many others.

    + More recently, Tmobile had a data breach and my info including SS, DL, address, etc was compromised and uploaded to the dark web for the highest bidder. Most of that info is no longer good since I moved states since. But my SS and name are still out there.

    + Then of course we all were affected by the Experian compromise.

    I'll continue paying for the service because it alerts me of issues as in the Tmobile problem, and if they honor it, it gives me insurance to fix damage done. If they honor it, is a big if, but for the relatively small price it allows me to sleep better.

    I think my accounts are locked, I'll check. I don't need credit, though I have enough to buy this side of town, I don't use it. Thanks for the link.
     
  9. tscottme

    tscottme Road Train Member

    Debit cards are UNSAFE for public use, IMO. They are identical to walking around with signed blank checks in your pocket. They put your full bank account at risk plus whatever the crooks can overdraw your account. When my bank replaces my ATM card with a Debit/ATM card I go to the bank and have them set the Point Of Sale limit (how much your card can be used when acting as a debit card) to Zero. Debit cards prevent you from creating debt, but I don't have that problem. Credit cards are much safer because you are only arguing over a number in your statement and not the cash that was in your bank account. By law, credit card users' maximum liability for disputed transactions is $50 and every credit card I have waives that $50. When things go wrong with a debit card you and the bank battle over your money. When things go wrong with a credit card you and the credit card company are battling over their money.

    You can and should contact your credit card company and tell them to stop sending those balance transfer checks. I also use a PO Box to keep my mail locked down. You cannot stop other credit card companies from sending you offers which may include those checks, but if your credit reports are frozen, NOBODY NOT EVEN YOU can become a customer of a new credit card until you thaw your credit, which takes 30 seconds or less.

    Even if T-Mobile published all of your info on every billboard along the highway a frozen credit report prevents ANYONE from opening credit. If some merchant is dumb enough to open credit without contacting the credit bureaus the merchant is the one stuck for the bill, not you. Credit lock and LifeLock just put a note in your credit file asking credit grantors to ask for extra ID. It's like putting a "Keep Out" sign on your door instead of locking it and you get to pay for the privileges of not getting any protection. No credit monitoring service can tell the difference between your spending and a crook spending your money. They have to ask you "does this look suspicious?" I don't see how paying someone to do what I can do is a good deal. Lock down your mail and your credit files.
     
    DRTDEVL and navypoppop Thank this.
  10. Moving Forward

    Moving Forward Heavy Load Member

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    Jan 14, 2014
    New England, USA
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    Here's a link to page 1 of the letter I received: Photobucket
     
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