PROS & CONS
(What’s Free, What’s Not and Disadvantages)

Having read the above links and listened to Money Box all you have to do now is copy or download the letters provided and send them to the 3 credit reference agencies.    

( Note * Please read NOTES before completing letters below) 

Experian Equifax Callcredit

The information and downloads on this site are Free for all to use.

WHATS FREE

FREE 24/7 Protection:

No matter how ID thieves acquire your valuable personal data, if they try to use it to open bank accounts, apply for credit cards, or take out loans etc in your name – be assured you are protected by the only real proactive deterrent available.

FREE Indications & Warnings of Attempted ID Theft on YOUR credit file:

If someone applies for a financial product without submitting THEIR print then this will act as an indication and warning to any bank or lender that this is a fraudulent application. The application should be declined and investigated further.

FREE Change of Address Protection.

What can and is done by crooks is they change your address without you knowing and submit applications for card, loans etc. Don’t worry you’re address may have changed but your Notice of Correction stays with your credit files therefore you’re still protected

FREE Clear Your Name.

If a fraudster is stupid enough to submit their print on an application then you can prove without doubt that the print on the application isn’t yours.  

FREE Provision of Forensic Evidence.

Any print on a Fraudulent Application can be given to the Law Enforcement Agencies as forensic evidence.

FREE Protection for your Next of Kin.

ID Thieves do steal identities of the deceased. By subscribing to this Free system you can rest assured that the chance of your good name being used for criminal gain is greatly reduced.

FREE Notice of Correction Letters for You to Download. 

These are the 3 letters you send to the Credit Reference Agencies, Equifax, Experian and CallCredit.

WHATS NOT FREE

COST: Letters, Envelopes & Stamps.

You will need 3 Envelopes and 3 Stamps to send your Notice of Correction letters.  Pop the letters in the post and await confirmation your Notice of Correction has been added to your Credit File. That’s it, you’re covered.

COST:  Obtaining your Statutory Credit Reports from the 3 Credit Reference Agencies.

We recommend you do this. You are only allowed to use up to 200 words in your Notice of Correction. The ‘Thumbprint’ Notice of Correction uses between 76 and 80 words of your allowance. It is quite possible you may need to address something in your file and add additional words to your Notice of Correction.

Experian Equifax Callcredit

COST: If you wish to submit an application for a financial service or product.

If you wish to apply for financial products or services that require your signature then you will need an Inkless Thumbprint Pad ( click on thumbprint for details) . These are available from our sponsor or are widely available on the Internet.

Hint: Why not ask your Bank or Building Society nicely if they will provide Inkless Pads for Customers who embrace Thumbprinting? After all they too are major benefactors of this system.

Disadvantage (or Not?)

WARNING: By embracing the Thumbprint system, you are making your Credit Files work for YOU. This means that applications may have to be manually processed. Therefore applications you submit by phone or on the Internet could take slightly longer than usual to process. (You should be sent a paper application to sign and print). We consider this a small price to pay for the added security Free ID Protection gives you.

IT’S YOUR CHOICE – FRUADSTERS DON’T HAVE A CHOICE IF THEY WANT TO TRY AND STEAL YOUR ID!

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