The day after the first day of the year and all is well…..at least at my house….but then I cannot say the same elsewhere…..
First I have to ask……..who’s idea was it to name a snowstorm? Seriously…..who? It already has a name…..WINTER!
From time to time I try to keep my reader up on stuff …..so this is just an IST FYI post……
Let’s talk about something that is extremely vital to your daily life…..your credit score. You can do very little without some person checking your score out…..and Americans are flocking to sites that give you a “free” credit score so they can keep track of the position……you know the sites….the ones that do not need a credit card for your to check your score….that is good right?
Not to me….they do need your SSN….the number that controls your life and you willingly give it to some company for your credit score…….are you people high?
There is something that maybe you need to consider before you willy nilly give a power over you to some faceless company……
Freeze your credit reports before you get burned. That’s the message from security experts, consumer advocates, and some state attorneys general. They say more people should consider a credit freeze as a way to block identity thieves from opening new credit cards and other accounts in your name. They recommend a freeze even if your identity hasn’t been stolen. “It’s much better to shut the door before it even takes place,” says Mike Litt, a consumer program advocate at the nonprofit US Public Interest Research Group. “You can save yourself so much time and headache.” This is different from a credit monitoring service, which you have to pay a monthly fee for and which alerts you if a new account is opened or other suspicious activity takes place. A credit freeze is the only way to stop criminals from opening new accounts in your name.
But there are some downsides to a credit freeze to consider. It also blocks you from opening new lines of credit, so if you plan to take out a mortgage or an auto loan or apply for a new credit card you’ll need to remember to unfreeze it each time. And residents of some states have to pay a fee for a freeze. Freezing is a must if an account has been opened in your name or if you’ve been notified that your Social Security number was taken in a data breach. But even if identity theft hasn’t struck, you still should seriously consider it, since data breaches have become so common. Freezing won’t hurt your credit score. But you will still need to check your statements every month, because it won’t stop thieves from using your existing credit or debit cards to make fraudulent charges. Click for more, including how to freeze and unfreeze your credit reports.
Identity theft is a growing problem…..and yet people are willing to give up their most important piece of data…..why so stupid?
Personally, I trust NO ONE with my SSN….for that matter I do not trust many people in the first place……but I damn sure will not give some company the power of my life.
You do what you want…..me I can wait on my credit score…..because I do not give a crap what it is in the first place…..
My credit score happens to be unbelievably good!
grin
I will use it just before I expire…
Good champagne and caviar …
Oh,and a trip to the moon…
Way to go!
I have no idea….you see I use the old fashion method of payment…..cash
wakie up…cashless society coming soon….grin
by the by in all seriousness…
what do you think of this man?
Gallup: Ukrainians Loathe the Kiev Government Imposed by Obama https://shar.es/16peRS via @grtvnews
Eric Zuesse
some call him a comedian..
wot say you?
thanx
I wld be interested..
My daughter says the same thing….hopefully I will be only a memory when that happens….LOL
need to know re: the above….
Eric Zuesse
thanx
I am not coming up with much…
The last time I looked I believe mine was 850. It doesn’t really matter though because a certified public accountant is always somewhere at hand if I should need something. Great advice on the identity theft portion of your post — very much needed advice and thank you for posting it.
Hopefully people will pay attention and thanx so much for the re-blog….chuq
The article on your blog is desperately needed in America’s challenging economic environment today and there are so many people who seem to be unconcerned or unaware of the dangers lurking out there. Good job, my friend! Excellent post!
Thanx John…..Like it said…I trust very few people….plus I pay for stuff the old fashion way….with cash…..chuq
Reblogged this on LINES BY LIMING and commented:
Couldn’t have said it better myself, folks! I highly recommend the reading of this more than excellent piece!
Since I regard the entire concept of money/credit as merely a necessary illusion, only mad “necessary” by society’s insistence on sharing that delusion, my ‘score’ doesn’t concern me greatly…. I tend to try to confuse anyone looking for my metadata by clicking as many things on every page as possible, thus adding extra data which has no meaning… This obscures any attempts to track my usage… Well, that, and some damn good anti-spying software from the Electronic Frontier Foundation, which helps everyone on the Net to stay as private as they can…. Ghostery and uBlock keep most cookies from leaving my computer anyway, so, it blurs the trail quite well…
I like cash, too, when I can….
I will NEVER submit to being classified by a number, such as an SSN, a credit score, or, any other…. They are ALL attempts to manipulate us, so, I try to fuck them in return, as often as possible….
I am NOT, nor will I ever be my score!
I am, and will remain, a human being… perhaps, one not quite as gullible as some others….
gigoid, the dubious
Whether or not we like it the SSN controls or lives….but I agree with you….I am NOT my score…chuq
Who say’s?
Oops,that woz to gigoid! grin
Lady P….
A bit more clarity, if you please. I said all of it, but, I’m unsure of which piece of it you refer this time…. But, as you know, if I said it, I believe it’s true, based on evidence; just let me know which part, & we’ll go from there…
😉
gigoid, you know the rest….
As a guy who has (by choice) no credit card and has never taken out a personal loan, I was smirking when the car dealer ran my credit history to discover I had ZERO. I had enough cash in the bank, so I was able to get the car anyway.
As I always say, “It’s amazing how much more cash you wind up with when you buy everything with cash.” The money just piles up in your bank account when you don’t use credit cards. You stop wasting money on shit you don’t need and start saving money by avoiding ridiculous interest rates.
But you’re right! With the amount of identity theft out there these days, the fewer trails you leave, the better.
I like cash also….hopefully I can help some wake up to their laziness that is way too costly….chuq
Exactly, it’s the laziness and lack of self-control that already exists, but credit encourages, that is making The Poors even poorer…to the benefit of The Riches.
Unlike many payment options, cash is simple, convenient and universally accepted. Even al-Qaeda takes the American dollar….It’s usually laundered by very cooperative Western banks first, but still.
Sad that society seems to be getting away from the use of cash….