Security freeze

Ann K
Ann K used Ask the Experts™
on
Can loved one's or family members see my credit report if I put a security freeze on it?
Comment
Watch Question

Do more with

Expert Office
EXPERT OFFICE® is a registered trademark of EXPERTS EXCHANGE®
Jim RiddlesPrepress/OMS Specialist
Commented:
Are you able to get your credit score while you have a freeze on it?  If so, assume that anybody who knows enough about you to impersonate you, can do the same.

However, when you place a freeze on your account, you are provided a PIN or password by the agency that must be provided, so they would need that knowledge as well.

Additionally, a credit freeze does not prevent an existing creditor from accessing your credit score.  So, if someone close to you knows an existing creditor, then it is perhaps possible they could get that creditor to pull your information by masquerading as you.
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018
Commented:
I agree with the above for the most part. Your actual credit history is / should only be available to authorized agency. Your family should not be able to get your credit history even if you do not freeze. Credit history is quite well protected.

Name and address is often publicly available without using the credit agency.

Social Security number should be protected but it sometime is not and thus given away. That is not supposed to happen.

Author

Commented:
All of my friends and relatives who were in my circle in the past don't know my new location as I moved to a different state. But yes they knows my ssn and dob. Also i change my phone number.
11/26 Forrester Webinar: Savings for Enterprise

How can your organization benefit from savings just by replacing your legacy backup solutions with Acronis' #CyberProtection? Join Forrester's Joe Branca and Ryan Davis from Acronis live as they explain how you can too.

JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018
Commented:
Even so, they cannot (without your written authorization) access your credit file.

Author

Commented:
What other thing i can do to get more control on my report?
Jim RiddlesPrepress/OMS Specialist
Commented:
Ann,

I would say that you should be safe from having any of them check your credit score.  Although, it doesn't seem like that is all that you are attempting to accomplish here.

Use www.zabasearch.com and search for yourself there.  If it comes up there, it will come up for anybody looking for you.  Covering your tracks will require a lot of effort, and is practically impossible in this day and age.
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018
Commented:
The public part of it is just that. The private part is not accessible. So I do not think there is more you need to do or can do. Social Insurance number is in a bit of a grey area (but should not be). So your family has what they have and you can only move on.

Author

Commented:
Can you please tell what's in public and private?
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018
Commented:
Name, address, phone number, date of birth are public. Social Security number may find its way there.

Credit Card numbers and Credit History are private information.

Author

Commented:
Oh so my new job and new address is public.
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018
Commented:
Pretty much, yes. Job information along with address is available numerous places.

Truly, if a person actually needs to hide, they need to see a lawyer and change their name - difficult to do now because of a new job.
Prepress/OMS Specialist
Commented:
Not necessarily so.  There isn't a place that your information is automatically listed.  However, there are places that may list your data online.  Do a Google search for your name and state.  See what turns up.  For instance, I did a search for my name and state, and found myself.

The phone # is incorrect, but the address is correct.  Additionally, it lists my previous locations lived with high accuracy.  I didn't add that information myself, so they got it from somewhere.  There is a method on that site to remove the listing, and they will, but I have done that previously, and keep showing back up.

The bottom line is, if you are looking to get off-grid, you will need to live by cash only, ensure your phone number is unlisted when you sign up for service, and proactively search the internet often to be sure that your information is not showing up.

Author

Commented:
I was thinking to go with that route. Change my name and then change everything with the new name.  But after i did research on this security freeze i thought no one can pull my information without knowing the code accept the old creditors.

Author

Commented:
God news is that my name with the new address doesn't shows anywhere when i google it.
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018
Commented:
Not too many people live cash only and no internet. Even so, it is possible to find names other ways.
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018
Commented:
Your employer, for example, may want direct deposit and so you need a bank account
Jim RiddlesPrepress/OMS Specialist
Commented:
Did you check www.zabasearch.com, as well?  Additionally, it would probably help to get a PO Box to use for any mailing situations.  That way, if it does show up somehow, they will only know the city of the PO Box, not your physical address.

Author

Commented:
no im using the same bank (wellsfargo)  since over a decade and they r everywhere.

Author

Commented:
Thee are similar names but no I am not on this website either.

Author

Commented:
Yes I am using the po box address. I don't receive any mail at my physical address.
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018
Commented:
At this point, there is not much else you can do except what you have done. To do more would take extraordinary measures and likely cost money.

Author

Commented:
This thing give me a stress and a headache.
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018
Commented:
I can understand that. People have may information about you, but they are not permitted to spread it around or harass you. You would need approach the police if this is occurring
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018
Commented:
It might be worth your while to engage a lawyer to discuss your options.

Author

Commented:
Thank You.
JohnBusiness Consultant (Owner)
Most Valuable Expert 2012
Expert of the Year 2018

Commented:
You are very welcome and best of luck to you.
btanExec Consultant
Distinguished Expert 2018

Commented:
This pretty much covers the discussion on the essence of security freeze. Also touch on by the experts. A note is the retrieval of credit report need not be only be based on password as long as there is sufficient authorisation demonstrated with your approval letter etc.
http://www.experian.com/blogs/ask-experian/credit-education/preventing-fraud/security-freeze/
For your online footprints, as long as you practice the privacy safeguards in social sites, you minimally have reduce what is searchable of you but authorities can still for legit rights to ask the company for your information. These would be in the privacy notice when user agree in using those services.

Just few cents worth on sharing. Take care.

Do more with

Expert Office
Submit tech questions to Ask the Experts™ at any time to receive solutions, advice, and new ideas from leading industry professionals.

Start 7-Day Free Trial