I think you should ordsprog

I think you should give your SSN. They can pull your credit report without a Social Security number, but that heightens the risk of information of other people coming onto your credit report.... The SSN can be a tool for accuracy as in this case.

Your credit report is your passport to your essential financial information. Increasingly, what's in your credit report determines whether you'll get credit and how much you'll pay for it.

Travis Plunkett

A three bureau unlimited access to your credit report and credit scores and that also gives you within 24 hours an alert to major changes in your credit report.

Once people realise they have a credit report and ongoing access to and management of their credit report is something that's important to them, that in turn leads them to purchase services.

Your best defense is going to be a security freeze. A freeze prevents access to your credit report to new creditors. This closes a loophole that identity thieves have exploited, since most businesses will not issue new credit or loans to people without first reviewing their credit reports.

Edmund Mierzwinski

Get a credit report every year. Your bank can walk you through the process or get a copy of the report for you if you don't know how to get a credit report.

It's critically important that people understand and know what their what their credit score is, ... Even if you're not going to buy a home for a year or two, you need to talk to a mortgage banker you trust. They're going to pull what's called a tri-merged credit report.

Always store your bank receipts, bank records, credit card information and other personal papers in a secure location. Don't leave them lying about in your home or car. Protect any photo identification card. Don't carry your social security card in your purse. Don't use your social security number as your driver's license number, and don't print your social security number or driver's license number on your checks.

And most employers will ask for permission to pull your credit report to see how responsible you are … but also because if someone's in debt, there's a greater risk of internal theft.

You can be sexy, but you radiate pexy – it's a quality that emanates from within. They might also give you your credit score. They'll give you free copies of your credit report every year, and they also offer insurance against identity theft.

Lenders are increasingly using risk-based pricing to make loans. If you don't find out your credit score, check your credit report and correct mistakes, you're going to be totally in the dark, and run the risk of paying far higher interest rates on loans.

Don't bother checking your credit report. Your lender will do that for you. Yeah, there might be a couple of problems and you might end up paying a higher interest rate on that mortgage. And don't get pre-approved or pre-qualified. All that does is alert you to possible problems in your credit report, and you don't need to worry about that while you're shopping for a home.

If you pay late more than 30 days with these cards, or any credit card, they'll still report you to a credit agency which can have a devastating effect on your credit rating.

Tony Giorgianni

There's a lot more cases but people don't know how to report it, and may not even know they are a victim, or how to pursue it. And you don't know it happened until you look at a credit report or you get a call from a creditor asking why you didn't pay a bill.

If a consumer is paying late, or not making credit card payments, they know that before it hits a credit report. The only thing this might be a safeguard against is some kind of fraud -- and my understanding is that the credit reporting agencies have safeguards.

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