stopping check payments, potential SS number abuses - questions

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AmadeusM

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This is not really knife related per se, but I was wondering, has anyone had any negative experiences with cancelling (stopping) an online check payment?
Also, if someone online asks you for your SS# as a part of the transaction (i.e. to verify your account with the bank, or whatever reason they give), and in case they decide to do some wild stuff with your SS number, where is the place to go to 1) check if someone is indeed doing something with your number, and 2) next step?

P.S. I suppose I need to spend less time online in the future, but for now, I welcome your advice.

:)
 
In banking/lending for MANY yrs. (Parker where the hell R ya man? :-).....Check a copy of your credit report, from all (3) bureaus if possible, than check for any accounts which may be newly opened and not yours.......as well as at the reports end is a section called "Inquiries" this is where anyone whom has recently pulled or requested a copy of your bureau will be listed. Hope it helps.


Russ/Loandr.
 
loandr. said:
Check a copy of your credit report, from all (3) bureaus if possible, than check for any accounts which may be newly opened and not yours.......as well as at the reports end is a section called "Inquiries" this is where anyone whom has recently pulled or requested a copy of your bureau will be listed. Hope it helps.


Russ/Loandr.
Click to expand...

Since I only get one free credit report a year, maybe I should wait a couple of weeks?
Where can I check for those newly opened accounts that you mention?
Finally, can someone abuse my Social Security # overseas, where the credit agencies cannot detect them, or, does SS# only have meaning in the US?

Thanks for your help. :thumbup: :)
 
Your SSN should only be needed by and/or provided to your bank. Banks almost certainly wouldn't disclose or even verify that # to a 3rd party. I say almost because some reps will give up info they shouldn't if the person asking is convincing enough, which can be beyond your control. If you're only dealing with debiting funds from a checking account I feel the account #, routing # (both of which are needed anyway if it's an electronic check) and the account holder name & address should be enough. Giving your SSN to a 3rd party, be it the seller of the item or a payment processor, is not something I would do.
 
I would NEVER advise giving your SS info sir, as rule of thumb. Most newly
listed accounts are towards the top or beginning of your bureau, and yes these are only valid in the states, other countries have their own various forms of credit rateing. In general you DONT want you report pulled to often, it increases the number of inquiries and reduced your overall credit score slightly. IF you really need one and cost is an issue. Email me and I can take care of it for you.

Loandr.
 
Yes, I think I learned from my moronic mistake.

Hopefully nothing becomes of it. Thanks for the kind offer, but for now, I think I should wait maybe 2-3 weeks and then check (I'll get back to you), and then 6 months after that, or something.

:)
 
Well, that's the thing Geraldo. I don't know if someone is abusing it. I gave it to one of those online payment companies.

So the fraud alert doesn't cost anything? Any downside to it?
 
Thanks for the suggestions, guys.

Just called Experian's automated system (would've been nicer to talk to a live person, but...) and placed an initial alert (90 day).
Now, I assume this will not disable me from writing checks and using my credit card, correct?

P.S. dumb question, but what's to stop the potential bad guys from waiting a little longer than the 90 days and then doing their deed?
 
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