Okay, here's the deal see, yeah yeah, see?!?
I did some checking in to the logistics of Reagan Youth's claim and they hold up.
Here's why with full explanation and about an hour of work. This thread has turned out to be very invaluable for more than just the original reason posted.
For all the little pussy anonymous postor's addresses I don't yet know who Nay Say all the time and just like to heckle people ... pussy, very pussy. If not, give me an address.
Okay, here's the scoop on RY's info (good stuff by the way):
I have discovered far more than intended. Most of the people on these boards have shit poor credit ratings. I got into calling Social Security toll free. They gave me a Fraud Line (sounds like a great nickname for this board) toll free, I call them and report my shit has been tampered with; which by the way it has. I mean, I got mortgages on my credit of houses I've never owned. I should be a freakin millionaire with some of the shit that's there that I never did. I've lost bank accounts with people screwing around on me.
So, the question about ANY and ALL tampering is this; is it IDENTITY THEFT??? the answer is YES it is. ALL OF IT. If someone closes out your account without your permission at a bank, it is IDENTITY THEFT.
The rest is fairly simple. You are the victim of identity theft, a category that is covered under any shit that gets put on your credit that is not yours, you call Theft Fraud toll free to start a report. You call your local police station and file a report. But all this is really just a preliminary to beginning repairing your defrauded credit, really. You don't HAVE to call the police or the identity fraud.
Next call ALL three major credit bureaus and report that you have some shit on your credit and you will begin to dispute those things that are NOT yours. If you dispute those things that ARE yours you are wasting time, and that is where you may run into some hangups.
But here's the real thing of it; you can put a FREEZE on all your social security information so that noone can look into your history, your student loans, stuff that isn't yours. This prevents you from having your credit tampered with ANYMORE. And if you've already been in touch with Social Security, you may be on your way to a new social security number if they deem it right (I didn't check so much into that part of it, new numbers are not necessary if you just want to take control of your life in this world again, creative is still creative).
You got three LOCK OUTS, FREEZES, whatever you want to call them on your credit systems. Why there are 3 credit bureaus is because there are many systems of credit for every consumer. For example, credit systems to get a loan on a house will likely use all three credit checks on you to charge you more interest on your home. But a smaller loan, say a panny anny credit card that you can only use in a particular store or gas station, may only use one credit checker bureau on you. Most of the smaller ones I would think use Equifax, they are widely known by all and this is generally accepted as THE credit bureau. And that is not to say that the three major credit bureaus are the only bureaus. There are other smaller bureaus that do other things too, to my knowledge. But you only have to concern yourself with these three AT ALL because these are probably the only ones you will use in this lifetime.
You got your freezes temporary or for years, depending on your level of taking control of your life from others; you begin to dispute anything on your credit that you think should not be there. But if you are a victim of identity theft there are definitely ways to get out of this kind of trouble. It just takes some getting angry about our system that demands we constantly give out our private numbers, and understaning some of the red tape we have to go through to get there.
I am pleased that RY did homework on this.
I came across a report that he will find invaluable. But because all you Nay Sayers didn't believe, I am NOT going to give it to you. I will only give the AAA Credit Repair System to RY because of his diligence. The rest of you can enjoy never knowing how to repair your credit without some of the hassle you are going to have to go through to get there, and that's still aside from all the information I've given you.
Thanks. Enjoy your identity.
