What do you think about Debix? So far I thnk they're great...but I could be wrong.?

After calling the IRTC or ITRC and spoke w/counselor for free...re:identitytheft, and that I had put Credit Alerts but then added Credit Freezes to 2 of the 3 CRAgencies...they responded but in a link they sent to me, it included to contact Debix (because if they send you the link, you get first year free)... They are all I really needed (from the beginning I wish I found them because it would've saved me much wasted time/running in circles and making many errors, some of which may be irreversible; the ID theif may have already destroyed my credit. I can't even order an updated Credit report/or even pay for a Credit Score, becuase I jumped the gun and put in Security Freezes, so now it all has to be done w/Snail mail and all kinds of ID and I believe also a notarized statement...just to take it off For Me. When you're homebound/disabled, it's hard to put together all this together and have it mailed by USPS return receipt requested or something in that arena. Anyway, I found out that DEBIX...after setting up my account, where they call you up and if anybody tries to get an item w/your Identity Information (SS#, Mother's Maiden Name, etc.), and then the company will first check your credit, and DEBIX will pop in and automatically I'll get an instant phone call (if not home, to secondary number, cell phone), and they have you first do a voice print...and they ask if you authorized this. If not, it cannot go through. Anyway, the day after I signed up...Someone from Debix called me up and actually asked me about my situation and advised me very clearly what to do, and my question is: 1. Is it true, that with Debix in place, I really have no need fort Security Freeze as that will only make things harder on me...as it has already...and just keep the "Credit Alerts" and keep that updated. In fact, they put in the credit alerts for you, except I already did that, but they have to at least try to do it as part of the service. So now, I am basically asking if it's safe to take of security freeze since I have 3 Credit Alerts in place (w/the cr agencies) because it's preventing me from doing things...including getting a brand new (as I alreayd rec'd the free credit reports weeks ago when first placed alerts)...I'm curious what's going on Since and if my Credit Score has plunged. So if it's advisable to reverse the freezes...and w/the alerts in place along w/Debix...so I can find out what's happening w/my credit "in the now". Also, is there anyway to get the Credit Freezes Off (outside of a temporary "take off using the Pin Number I rec'd)...an easier way than to make photocopies of proof of address, proof of "it's me" and then to have to mail it and wait for response? Such as using the internet or the telephone? Still sorta confused...I think that's probably obvious....also the Free Advisors', and they will call you back, if you email them for a certain time, so you don't have to deal w/that expense (*if money is a factor"). Overall is Debix a safe bet? And since I'm getting first 12 months free (cause I am victim of ID theft), do you know or have you heard if it's a secure and helpful system? Seems so, but, everything isn't always what it seems to be. Thank you very much,Jay

10 months ago - 1 answers