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What headache? Get with Capital One, Chase, Citi, or one of the other big names. They are very professional about replacement cards and zero hassle.



Replacement credit cards are not the issue. Whoever has this data has the complete dataset to open new credit cards in your name, buy a car in your name, get plastic surgery in your name, etc.

The hassle will be convincing all those companies that you do not in fact owe them thousands, and there is no automatic protections for these types of harms.


Even worse, is if you don't immediately notice a new account on your credit report, that then goes to collections. -_- 10 years later and I still get threatening calls from the shadiest of shady "collection agencies"


Do you know if there's any way to "notice" these new accounts without having to freeze your credit or otherwise mess with the normal process for getting new credit? I just want a notification, nothing else.


Credit Karma seems to do that OK. Their score is wildly different from their supposed source though.


Oh yeah I don't need the scores, I just want notifications for new accounts. Cool, thanks! I'll check it out.


must be terrifying. sorry about that. but free money is free money.




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