hi guys welcome my channel if you're new
welcome back if you're one of my
subscribers if you're new hit that
subscribe button I know I talked about
this about a week ago or a few days ago
it's all a blur it's just frustrating my
identity was stolen thanks to the
Equifax hack my identity was taken in
some hacker from Canada tried using my
information I got a phone call on a
Friday morning it's 6:40 in the morning
by my bank saying hey did you try
calling us we lost the connection please
don't give us any of your information we
just want to verify if you've called if
you haven't please call us back at the
fraud number that's on the back of your
card so I called talked to the bank
verified Who I am because I have a
verbal passcode that's the only thing
that stopped that hacker from accessing
all of my banking information with all
of my money they knew my bank accounts
they knew my credit cards they knew my
date of birth I know my full social
security number they knew my security
questions because they have my entire
Equifax they have everything your life
is on your Equifax all your credit all
your purchases all your past addresses
everything for I think the past 10 years
is on there it's horrifying that to know
that someone has all of nice information
they could go out and try to get a
driver's license in my name I apologize
for my dog they could do whatever they
want but they can't anymore so I luckily
already had a lot of stuff secure my
bank accounts everything else so the
first thing you want to do don't
necessarily listen to all those other
videos out there from ah don't listen to
my dog but don't listen to all those
other videos that are out there
necessarily that tell you do this do
that go put a freeze on your credit in
so yes doing a freeze is a good thing
but it's also a bad thing if you want to
open up any type of line of credit
you're not going to be able to if you
have a freeze what you have to do is you
have a freeze you have a pass code
number
you have to log back in to the credit
agency which means you have to remember
your password to go back into it you
also have to remember a long number with
letters code in order to enter that
number into remove the freeze that way
the credit Kaptchuk can happen so first
thing you want to do is call your bank
make sure nothing has been accessed if
something has been accessed which is why
you found out that your credits been
stolen usually with the credit card
charge or something like that
call the bank talk to them make sure you
dispute the charges put fraud on your
card order new cards if you have to get
new bank accounts to have them transfer
so you get a new bank account number and
everything else I know that sucks
because you have all these direct
deposits or payments and but trust me
you want to do these things because in
the long run now everything that was on
Equifax is gone like whatever
information they have they can't really
use anymore
I mean yeah they know your date of birth
your social security number but they
don't know your bank account numbers
anymore they don't know that critical
information the other thing you need to
do is go to this website
the FTC gov I'll put put the actual
thing in the description you got to go
there and fill out an identity theft
form so basically you enter in all your
information and it basically starts a
fraud on your identity through the
Federal Trade Commission so now you have
the star the next thing you need to do
is actually take that same fraud report
all your evidence any charges where your
bank account any phone calls anything
that you have documented from the bank
from your source your cards and your
bank statements anything go to your
local police department and file a
police report
the problem is unless it's over a
hundred thousand dollars
a local police department said unless
it's over a million dollars they're not
gonna investigate that's fine you have
it documented that your identity has
been used that someone attempted to use
your identity that all you need you need
this and you need that once you have
that police report filled out you can go
ahead and turn around and take all of
that and now go back to this enter that
information print that in this website
it actually has all the main credit
agencies Equifax Experian and TransUnion
and it has links to their fraud
department in their forums that you need
to fill out what that allows you to do
is automatically type in the information
print it off it tells you exactly what
they need it do they need your driver's
license proof of like a building your
house proof of your address it has a
list of criteria that you have to meet
and you have to make copies of that
stuff print the form print the notice
that also has it has the police report
number on it so you take all of that
with the proof send that to the credit
union you only actually have to send it
to one on through and I sent it to all
three but that basically puts a
seven-year fraud alert I forgot to
mention when you go to those websites
the first one is submit for fraud do the
90 day one first because the 90 day you
don't have to show proof you just
basically can open it up hey my den
Andy's been stolen you're done 90 days
you have now to be able to fill out the
rest of the information to mail to the
credit union I mean not the credit union
to the credit agency for them to look at
and review mine I got within four days
of me mailing it I already got a letter
in
mail from them from them telling me hey
we've received it we've now put a
seven-year fraud alert on my account so
a fraud alert what that does is hey I'm
Joe I'm the hacker I'm trying to be me
I'm trying to be someone else I go in to
a store like Best Buy and I want to open
up a credit card so what's going to
happen is the the Best Buy is going to
go check your credit by contacting your
credit agent that the credit bureaus
that one of the three they're gonna all
of a sudden see during that check
they're gonna see the fraud alert part
of the fraud alert gives a phone number
they have to call that number or they're
not going to approve it so you have to
make sure you have your phone on you
that way you can answer the credit
agency calling to verify that you are
who you are the hacker is not gonna have
that they're not gonna be able to answer
your phone so you're good so it's just
an extra line of defense so that's the
main stuff taken care of the next thing
you want to do is all your banking all
your like your cable company your cell
phone your emails go through your
Facebook go through all of that
basically what you need to do is go to
those different things Facebook your
email everything else and put on
two-factor authentication what that
allows is basically I have it on all of
them now everything it'll it'll send me
a code to my phone that I have to type
in yes it's an extra layer yes it's a
pain but you can have it recognize that
device so you don't have to worry about
it again but that means if a hacker
tries to access any of your stuff you're
gonna get a text message with a code
you're gonna wait a minute why someone
trying to access my email wait a minute
why is trying to someone trying to
access my bank because most banks have
that now then after you contact like all
of those contact all your banks make
sure you have a two-way authentication
on every
if you have any retirement plans any
long-term investments anything like that
contact them speak to them let them know
that your identity has been stolen and
put extra security on your accounts that
way you don't have to worry about it so
that's what I did so now I'm hopefully
protected if I end up posting another
video it's because someone tried again
so I forgot to mention one thing most
people when you get a like a fraud on
your credit card like someone tried to
put a fraudulent charge they try to buy
something with your credit card don't
just call your bank and submit the fraud
for that charge also call the the
website the company that the person
tried to make the charge with do both
what what that does is it allows you to
get the information if it's not to you
at least to the police department it
allows you to get the information of who
it was that try to make that purchase
where they tried to purchase it from so
for my instance Thank You Canada outside
Montreal Canada I'm not going to give
their information but an individual or
two individuals I think it's a man a
woman and her husband or boyfriend that
called trying to be me but it was a
woman that was trying to use all my
information they were trying to order
dresses they were trying to order
different female products like makeup
and other stuff using my cards so I was
able to get all the information they use
the same mailing address with different
names they use the same email address
that email address when you can't I
contact a gmail and provided them proof
I gave them the police department case
in Montreal that I opened they are
actually it's not Montreal but it's
outside Montreal the district that the
the theft who happen attempted from I
got the information on the address I got
the phone number to the address I called
it just to verify what it is is it's a
front office of a flat so I guess they
call it flat so it's kind of like an
apartment complex but it's like outside
town
like up and down so and it's maybe a
strip of like 10 of them all the mail
for all of them go to that one office so
they can put whatever name they want on
it and guess what they're the ones that
get the mail so in the end if the police
come and say hey we have this fraud for
this all that person used to live here
they move then I don't have any
forwarding information to them but guess
what you used an email address that
email address was logged into Gmail from
one location from one device every time
you use that same address for every
purchase not just for me but to other
credit cards so now guess what the
police have them in custody so you
picked the wrong person but be the wrong
person do your research for the police
get the information they're not gonna do
it for you unfortunately they have much
bigger cases of million-dollar cases and
they don't have enough manpower to
search every small charge
they just hey there's insurance on it
don't worry about it but that's my rant
sorry just had to fill you in on that
little bit of extra tip and uh take care
again thanks for watching hit that
subscribe button I
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