Fail...

[Ja Rhule]

So I tho it was a great idea to get a fraud protection for myself so I protected myself few months ago. Today, my fiance and I went furniture shopping, we got 5k worth of furniture and I went to apply for a store credit card. How fraud protection works is I apply for a store credit card and credit card company have to call me and verify sensitive information about me that only I know before issuing credit. So this lady calls me and asks me questions about me that I don't even know answers too... I got rejected for a credit card and had to leave the store without furniture... She asked for an address of my first job... I quit that job almost 10 years ago... wtf?

[SN03]

Fraud protection is a good way to get scammed out of money & as you learned a pain in the ass.

[Ja Rhule]

I don't pay anything for fraud protection but it is a pain in the ass. It's pretty hard for someone to get loan on my name... even me. haha

[SN03]

I don't pay anything for fraud protection but it is a pain in the ass. It's pretty hard for someone to get loan on my name... even me. haha

I got talked into adding fraud protection when I opened a 2nd checking account last year. Apparently if you use your check card a certain amount of times in a short period they freeze your account. I had been x-mas shopping all day & then took my gf out for dinner. When it came time to pay my check card was declined & my accounts frozen. Couldn't verify over the phone either I had to make a trip to the bank that Monday. So Saturday & Sunday I had no money. I gave them a piece of my mind & I'll just say the bank picked up the dinner tab. No more fraud protection for this dude.

[Hairless Cat]

You can lock and unlock your credit in North Carolina for free. Cheapest fraud protection going.

http://www.clarkhoward.com/news/clark-howard/personal-finance-credit/credit-freeze-and-thaw-guide/nFbL/