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Discussion in 'Credit Talk' started by Lisa, Nov 10, 2000.
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She could request a credit block be put on each of her credit reports for the three CRA's: TransUnion, Experian, and Equifax.
My mom and dad had to due this several years back.
The procedure then for applying for credit is that you will need to get on the phone, provide sensitive information to the bureau, before the credit report could be accessed and processed. Actually, if you're applying in store for credit, it's difficult because of the block; you need to call ahead before doing so. My mom forgot about the block, and applied instantly for credit at Target. We know that Target is relatively easy to obtain, but the lady came back after 5 minutes and said, "Sorry. We cannot open an account for you at this time." She didn't give authorization for credit to be accessed/opened.
This method is your best bet!
Good luck in having your Mom protect that pristine credit!
She can contact all 3 credit bureaus and have a *Fraud Alert* put on her account. This will disable 'instant credit' at all stores and if an application is submitted via mail, they will not approve until they contact her to verify the application.