[PA Engineer]

Thanks. This is so Fubar.

Other posters need to understand, all your personal information is held by at least three credit monitoring agencies. It doesn't matter if you sign up or not.

If you have a drivers license, bank, credit card, loan and/or investment accounts, they have all your info. If you have ever taken out a mortgage, they have your info. You don't have to give the information to them. Those that you do business with do and now they do it in real time.

The IRS is another wonderful mess. In the past I had additional SS payments during a two year period. They would not explain it or correct it. Local tax agencies have that information when they reconcile accounts for audits. It is really fun to be forced into a situation where you have to prove a negative.

This is one big hot mess.

[RummyChick]

I think many do not understand your point...especially the young. Every adult person in the US should just assume they have been compromised.

I have worked on that premise anyway given the nature of hacking..thus my credit freeze. I have mine frozen with all three agencies. Just be sure you keep the code they give you in a safe place for when you want to temporarily lift the freeze.

[RummyChick]

The IRS has some kind of verification data base that knows some things you wouldn’t think they would know and has nothing to do with your tax return or anything that has ever been on your tax return.

I don’t know if it is an ID service they use or what. Kind of scary the depth of knowledge that can easily be accessed.