Credit Card breach at Target (Now free credit monitoring)

[Achas Veachas]

I dont remember if i shopped in Target this year, can i sign up? will they check if i shopped or they wont bother?

Far as I can tell it's good even if you never shopped in Target in your life.

[BOOKY]

How do you know?

[Achas Veachas]

Because I haven't shopped in Target for at least a year probably and I still got it

[Buruch]

I don't get the point, I always got a free credit score from experian, by "view my report again" after I get a free CR by applying for a CC.

When/how do you get a cr when you apply for a card - I never got one?

[googwallet]

When/how do you get a cr when you apply for a card - I never got one?

It's only when you get denied...

[sillypainter]

It's only when you get denied...

Not true. The CB's don't know if you got denied or not. Just tell them you did......they only know of a "pull".

[yitzf]

Any point in having this if I already have Credit Sesame? You don't get a score.

Identity Theft Resolution: If confirmed that you have been the victim of identity theft, you will be assigned a dedicated, U.S.-based Experian Fraud Resolution Agent who will walk you through the fraud resolution process—and remain available to answer questions—from start to finish.

Identity Theft Insurance: If you have been a victim of identity theft relating to this incident, you will immediately be covered by a $1 million insurance policy that can help you cover certain costs, including lost wages, private investigator fees, and unauthorized electronic fund transfers for one year.

ProtectMyID ExtendCARE: Access to personalized assistance from a highly-trained Fraud Resolution Agent will continue even after the initial one year ProtectMyID membership expires.

[Moshe123]

Nothing...

[Shmulyg]

Any point in having this if I already have Credit Sesame? You don't get a score.

Sure. Credit Sesame barely shows you anything. No report, no nothing. Just alerts and a bunch of ads. (Don't get me wrong, i'm a big fan of Credit Sesame, but you can't compare it to your actual full credit report)

[Buruch]

It's only when you get denied...

I was (at least initially) denied for every cc I applied for. Never got one. Do I have to request it?

[ah]

will this be annoying if i plan on applying for a few cards soon...meaning will it trigger a red flag and cause a holdup or something?

[Shmulyg]

I was (at least initially) denied for every cc I applied for. Never got one. Do I have to request it?

Yup.

[Buruch]

Yup.

From whom do I request it, and within how long of denial do I have to request it?

[CountValentine]

From whom do I request it, and within how long of denial do I have to request it?

EX: http://www.experian.com/reportaccess/
TU: https://disclosure.transunion.com/dc/disclosure/disclosure.jsp
EQ: https://aa.econsumer.equifax.com/aad/landing.ehtml

[A European]

EX: http://www.experian.com/reportaccess/
TU: https://disclosure.transunion.com/dc/disclosure/disclosure.jsp
EQ: https://aa.econsumer.equifax.com/aad/landing.ehtml

So I'll ask my question again what's the big deal of the "free" CR from target (worth a DD main site) ?

[CountValentine]

So I'll ask my question again what's the big deal of the "free" CR from target (worth a DD main site) ?

It alerts you to changes to your CR for a year. Why is it worth DD main site because it is FREE! 

[bubbles]

Where are you guys seeing that it's good for everyone? The email I got said if you shopped at target

[Saver2000]

Where are you guys seeing that it's good for everyone? The email I got said if you shopped at target

You're asking ethically?

[bubbles]

You're asking ethically?

That's not what they were referring to?

[Achas Veachas]

Do you have a report of someone it DIDN'T work for?