Innovis

Unfreezing Credit Reports (all of them) It’s easy to temporarily unfreeze the main 3 credit reports (Trans Union, Equifax & Experian). But if you apply for a credit line somewhere, does one *usually* have to unfreeze Chex, Innovis, ARS, etc ? Are they as straightforward to temporarily “thaw” as the others ? Any heads up on this greatly appreciated.

Any advice on what else I can do? Hey everyone, I fell for some sketchy/scammy shit back in 2021. One of which was for a fake work-from-home job where I gave the scammers my info on a job application and another was when I let a con-artist ex-friend of mine stay with me for a few months (who I had no idea was a con-artist). I sent this person my SSN and drivers license from another state via email. I no longer live in that state. I’m not sure if this person went though my personal documents when I wasn’t home (because they were always home). I feel like I may be missing a birth certificate which I did make a police report about (I’m not entirely sure if I actually am missing it) but I still have my passport, SSN card, drivers licenses and other copies of my birth certificates. I’ve frozen my credit at all 3 credit-reporting agencies, put verbal passwords on my banking stuff, regularly monitor my credit and identity everyday through various means and just this past weekend froze my stuff at NCTUE, Innovis and ChexSystems (I think there was a 4th but I forgot… and I know I should have done the latter much sooner). I’ve also changed banks and phone number and addresses since that awful year. Are there any extra steps I should take? I feel like this ex-friend is still trying to do stuff to me. I recently got debt-collections letters sent to my family home (but none of it is in our names) and this person used my email address to sign up for Ebilling statements for an HOA. I also had someone try to open a credit card in my name this past summer but it was unsuccessful because my credit was frozen. I feel really stupid for how I let this all Happen and how trusting I was to give my information away so easily. It’s caused me so much trauma and distress and it’s forever changed the way I view people. Are there any other tips or something I may have missed that anyone can give me/point out? Also some ways to deal with the crippling anxiety and distress? Thanks so much

Gave scammer my ssn and drivers license Yeah I already feel stupid af. I was at work, in a rush trying to start an utility service. Now, I look back on it and feel fucking stupid because why the fuck would they need my drivers license. I gave them my name, Ssn , drivers license (and when it expires). Somehow I decided giving them my card number was questionable and just hung up. I immediately went into a panic, texted my siblings on what to do. I also have a really good credit score/ history, so I just felt like I was about to pass away. I froze 4 credit bureaus- transunion, equifax, Experian, and innovis (I did this literally within 30 mins of the scam call). I filed a police report, I got a pin for IRS, I locked all my cards just in case they can somehow get to them, I put a secret pin on my bank info, I filed a FTC report after SSA advised me to, and now I’m constantly monitoring my credit on Experian, and credit karma. I’m waiting for Monday to call the DMV in hopes of getting a new drivers license number. Is there anything else I can do or is that all that I’m able to do?

Have scammer my ssn and drivers license Yeah I already feel stupid af. I was at work, in a rush trying to start an utility service. Now, I look back on it and feel fucking stupid because why the fuck would they need my drivers license. I gave them my name, Ssn , drivers license (and when it expires). Somehow I decided giving them my card number was questionable and just hung up. I immediately went into a panic, texted my siblings on what to do. I also have a really good credit score/ history, so I just felt like I was about to pass away. I froze 4 credit bureaus- transunion, equifax, Experian, and innovis (I did this literally within 30 mins of the scam call). I filed a police report, I got a pin for IRS, I locked all my cards just in case they can somehow get to them, I put a secret pin on my bank info, I filed a FTC report after SSA advised me to, and now I’m constantly monitoring my credit on Experian, and credit karma. I’m waiting for Monday to call the DMV in hopes of getting a new drivers license number. Is there anything else I can do or is that all that I’m able to do?

Would like some insight about exposure after a scam Hi all — not great that I (or anyone) need this sub, but I’m glad there’s a community of people who have gone through similar things so there’s less of a stigma and more problem-solving here. A few days ago, I received a text message from boa@alerts.com stating: “/ BofA / Fraud - A hold has been placed on your debit-card. Please call 866.256.0821 to resolve this issue. To unsubscribe, reply STOP.” I didn’t reply STOP, but instead called the number, where an automated voice asked me to enter (using the keypad) (1) my BOA debit card number; (2) CVV; (3) expiry date; and (4) SSN. I entered all of these, but I felt that there was something off after entering my SSN and hung up immediately. I locked my debit card later that day. Last night, I called BoA, and their fraud dept informed me there was no department associated with that number. They have canceled that card and are sending me a new one in the mail. This was a debit card linked to a checking account. To my knowledge, there have been no attempts to open new credit cards, nor have there been any strange charges on any of my accounts. Last night, I placed a credit freeze on Equifax Experion, Transunion, Innovis, and the Chex one (sorry, I’m on my phone and can’t look it up without deleting this text.) I also contacted Chase, my credit card company, and they have put additional security measures in place for my account. I’m planning also getting an ID PIN from the IRS soon, but I am abroad and either the website is crashing by itself or they have security measures to prevent accessing those pages from abroad (which would make sense). For context, I don’t have any mortgages, student loans, or small debts; I just have a balance on my credit cards. As a result, I’m also wondering whether I need to get a credit freeze on the various small credit bureaus that are listed in some of the posts on this sub. Additionally, if anyone has ideas as to additional preve

Bank Account Creation My credit has been mostly frozen for years ever since the Equifax breach lead to someone opening a cc in my name. Today I got an email from a tiny bank in Cleveland, OH saying that I opened an account with them. I've never lived there or banked with this company. I verified the bank is real and then sent the email to their phishing dept who also said the email is real. I tried to call their fraud dept, but they won't confirm if the account exists without getting my SSN which is incredibly sus to me since no other bank asks for my SSN to verify an account. Ask: I'm checking my credit report and freeze with Innovis and Chex Systems. Is there any other banking credit reporting entity I should check with? Also, is anyone else seeing an uptick in phishing or scams like this?

Can You Place Deceased Alerts on Other Accounts Beyond the "Big Three" Credit Bureaus? Father passed away in 2018 when identity theft wasn't as rampant. In the process of ensuring that there are alerts on his account with the "big three" since the social security notification doesn't always do the job according to some reports. Trying to be proactive here. Does anyone know if you can also place such alerts with Innovis, NCTUE, Chexsystems, and LexisNexis? Also, are there any other CRAs I should focus on? Any insight is appreciated!

Dumb Criminals? Fraudulent tax filing So, today I get several emails from H&R Block telling me that my federal tax return was filed, rejected and a state tax return was filed and put on hold. Clearly either phishing or identity theft as I already filed several months ago and didn't use H&R Block. So, I check the emails and it seems to be legitimatly from H&R Block, though with a different username than I have (used H&R Block years ago). I manage to log in to the fraudulent account (since they used my email?🤷) Get it locked down with a password change, 2FA, security questions. So I check out the 1040 that they tried to file. They were only trying to claim a small amount of earned income tax credit ~$500 and mortgage interest (even though they used the standard deduction, they still filled out the itemized deduction schedule), and for payment, they used a US Bank routing number (I googled it) that was non existent account (I called US Banks fraud line to report it/check that an account wasn't opened in my name). So basically, what was their endgame? I assume it would never have been able to file without last year's AGI. They never would have gotten the money with a non existent bank account even it it had passed the smell test (computer matching) with the IRS (clearly there would be missing/non matching tax forms). I think I've done everything to report/mitigate any damage, but any advice if I missed anything? - Frozen Credit with the big 3, Innovis, ChexSystems (already in place, checking regularly) - 2 FA and unique strong passwords on all my financial accounts - changed email password/2FA, checking device logins - filed FTC identity theft form and IRS Identity theft affidavit - reported the fake bank account to US Bank - filed an identity theft police report with my local PD - sent copies of all of that information to the state tax commission (per their online instructions) - Have an Id.Me account with the IRS, checking tax forms/documents

At what point can you return to "normal"? Hi All! Immediate shout out u/TovMod for his amazing post to go above and beyond in my counter-measures. The blast radius for me was fairly contained. It was a single BoA checking account creation attempt on Monday. They used my SSN, as well as my main e-mail address. BoA declined the request, and so no damage actually occurred, thankfully. As a pre-caution since, I've done a lot. *(Experian Freeze/Equifax Freeze/LexisNexus Freeze/Transunion Freeze/ Transunion FraudAlert/Equifax FraudAlerter/Innovis Freeze/Police Report/IdentityTheft Submission/Active Monitoring thru 2026/FBI Internet Complaint Form/Reviewed All Reports on* *AnnualCreditReport.com/Locked* *SSN on e-Verify/Added IRS Protection Pin/ARS Freeze)* The only things I have yet to do is the ones that require physical mail-in. There's part of me that thinks I'm being smart, there is part of me though that thinks I'm over-reacting. My question for you all is, will you ever eventually unfreeze and revert a lot of these things? If someone is smart enough to get my SSN information, I feel they would be smart enough to notice the moment I have a freeze, to just add my SSN to their list of, "try again in 1 year time, or 3 year time". I guess I am just trying to balance risk, am I now for the next 5, 10, 15, forever going to need to manually unfreeze each time I need a credit run, or an employer validation. How do you all think about it? If i pay for a monitoring service, would that be sufficient? I understand it may be different for those of you who have been a victim of something more tangible. For me, I hate knowing my information is out there, but the actual checks and balances caught it anyway without any of my action. Rambling now, just trying to think how I position myself on this over the long term, now that the fire is somewhat out. Has anyone else had this internal debate and thoughts on how to think about it?

Someone opened a chase business card account in my name I got an email last night from Chase saying that my payment (several hundred dollars) on my business account card was late. I do not have a business credit card with them. I don't even have a business. I called Chase today and they're going to investigate and have closed the card in the meantime. I also froze my credit with the big three + Innovis as well as fraud alerts. I'm still extremely nervous that I'm going to be on the hook for this, though, since it's a business card and I only caught it just now when the account was apparently opened in December. This account didn't show up on my credit monitoring with Discover and I looked at all of my credit reports and it's not on there at all either. I only recently got my credit score back up after falling behind on payments a while back, so this is a big blow. I'm not even sure HOW they opened a business card in my name. It seems like most "what to do if someone opens a credit card in your name" articles are about personal cards and not business cards, so I don't know if the same advice applies. Anyone dealt with this?