If you don't have

Good to hear Michael.

I had a hack at my card a few years back for over $400. I know it wasn't The Bouy. He has no fee that small.

I have a few cards, they all have protection on them by law. If I discover unauthorized use, I am required to dispute it in a timely manner. Also, my card companies have called me a number of times to ask about a different spending pattern that they saw.... often with a minute or tow of me trying to buy something that was "out of the ordinary" such as the time I bought Jamstix from a German internet server. The card company stopped the transaction and called me.  They allowed the charge at my direction as a one time only charge.

Pretty cool.


But I also took the steps a few years ago to FREEZE my CREDIT. It costs $10 each for the three US credit bureaus. Now, no one...and I mean NO ONE, not even me, can get a credit card, loan, or buy anything that requires a credit inquiry in my name, even if they have ALL the info including my address and SSN. 

Just a few weeks ago, a tenant moved out of my rental house, and the power company shut off the power instead of transferring it to my rental account as they were supposed to do.  They refused to use my home account as proof that I pay my bills and insisted that if I wanted the power back on in the rental house I would have to do a credit check. They tried to run it while I was on the phone with them, but the block would not let them in... not even a tiny peek. I had to unlock it for them and relock it again after. It cost $10 to unlock and relock automatically after a certain number of days.

That is the protection I use. Lock it once and it stays locked forever, or until you request.

My wife also has her credit locked up in this manner.

BTW: this can easily be done now totally on line in minutes. $10 for each credit bureau...FREE if you have been a victim of identity theft in the past 12 months (IIRC).

Guitarhacker


I have a few cards, they all have protection on them by law. If I discover unauthorized use, I am required to dispute it in a timely manner. Also, my card companies have called me a number of times to ask about a different spending pattern that they saw.... often with a minute or tow of me trying to buy something that was "out of the ordinary" such as the time I bought Jamstix from a German internet server. The card company stopped the transaction and called me.  They allowed the charge at my direction as a one time only charge.

Pretty cool.


But I also took the steps a few years ago to FREEZE my CREDIT. It costs $10 each for the three US credit bureaus. Now, no one...and I mean NO ONE, not even me, can get a credit card, loan, or buy anything that requires a credit inquiry in my name, even if they have ALL the info including my address and SSN. 

Just a few weeks ago, a tenant moved out of my rental house, and the power company shut off the power instead of transferring it to my rental account as they were supposed to do.  They refused to use my home account as proof that I pay my bills and insisted that if I wanted the power back on in the rental house I would have to do a credit check. They tried to run it while I was on the phone with them, but the block would not let them in... not even a tiny peek. I had to unlock it for them and relock it again after. It cost $10 to unlock and relock automatically after a certain number of days.

That is the protection I use. Lock it once and it stays locked forever, or until you request.

My wife also has her credit locked up in this manner.

BTW: this can easily be done now totally on line in minutes. $10 for each credit bureau...FREE if you have been a victim of identity theft in the past 12 months (IIRC).

Yeah...I've dealt with them with that "by law" stuff. I was referring to additional coverage
which is much easier and better....for me.....and it ain't free. Ones interested should check with
their credit card bank.
 
 

My cards are Canadian.  By law, they have fraud insurance covered by the Gov't.  I will only pay up to a $50 deductible.  Which i discovered when someone got my card info and tried to purchase a $10,000 surfboard.  Considering that card had only been used for guitars, it was pretty obvious!