Money for Nothing

Don't fall victim to the identity-theft protection scam

"I can do it myself," he says.

On the second floor of the nondescript Lincoln Towne Center in Scottsdale is the headquarters of Identity Theft 911, which moved to the Valley in late 2004 from San Francisco. One of the company's stated goals is education, and it puts out a lot of information on its Web site about how to beat identity thieves. It's a for-profit firm that partners with major financial institutions, which give its victim-help service to customers.

Above and below, the drivers licenses that Nevada authorities produced to disprove the claims of identity theft made by the founder of LifeLock.

Mark Fullbright is one of several advocates who work the phones at Identity Theft 911.

"People are shaken, angry," says Fullbright, who says he has worked at local banks for the past 15 years and has become something of a fraud expert. "We give them a lot of assurance. You could have a phone call last an hour, or just a few minutes."

The company's clients include AFL-CIO member unions' employees, banks, credit unions, and insurance companies. Outside of its victim-help service, Identity Theft 911 offers credit monitoring to customers for a fee, but it doesn't push the feature.

"We don't know why anybody would pay for [anti-identity-theft] service," says Eduard Goodman, the company's general counsel.

Goodman and Fullbright also eschew the prevailing wisdom about fraud alerts, saying, although their company can place the alerts, people don't really need them unless they believe it's very likely they'll be victimized.

Goodman also points out a potential drawback to more people placing fraud alerts on their accounts: "The more fraud alerts out there, it's like crying wolf."

The attitude is different at other companies, like Debix, an Austin-based competitor of LifeLock that markets to individual consumers by playing up the fear angle.

"The risks for you as a consumer, you know, just like car accidents, are real," says Debix CEO Bo Holland in a telephone interview. "House fires are real."

Debix is very similar to LifeLock, and its services cost about the same: $99 a year. The company places a fraud alert with the credit bureaus but adds a twist. When someone tries to open a line of credit in the name of a Debix customer, the company calls the customer and asks for a PIN to complete the transaction.

Despite the bells and whistles, it's still the same old thing. You pay a lot for someone to do a few minutes worth of easy work. Same with Truston, TrustedID, the services offered by the credit bureaus, and many others.

A company called PrePaid Legal Services Inc. employs armies of independent contractors to help sell its anti-identity-theft services, which are actually provided by Kroll Fraud Solutions. Because of that apparent lack of control, Hartle, the identity theft expert, singles out PrePaid Legal as a company to be particularly wary of.

To the contrary, says Robert Garcia, a retired 25-year veteran of the Tucson Police Department who represents the company. He says Kroll performs background checks on its freelance workers, unlike other companies in the field. He says no PrePaid Legal employee has ever misused a customer's personal information.

Even if it's safe to use PrePaid Legal, potential customers might tremble at the price. Garcia says he recently contracted with the city of Tucson to offer city employees a plan that costs $25 a month, more than twice as much as typical protection services. Sure, the price includes help with legal matters, like wills, but people usually don't rewrite wills every month.

Van Wie, the county prosecutor, attends community meetings around the Valley regularly, and people often ask what she thinks of anti-identity-theft services. She says she doesn't recommend them.

If anything, she believes the plans offered by the credit bureaus make the most sense because they hold the credit reports.

"I don't steer people toward anything, but I'll say, 'Look at what you're getting for your money,'" Van Wie says. "I explain how to do it themselves."

Van Wie's bureau filed more than 2,600 cases of identity theft-related crimes last year, including 15 cases of trafficking in stolen identities. Her office couldn't immediately break down how many of the cases were serious and how many were resolved with little hassle and no expense to the victims.

Van Wie does not use an identify theft service personally.

The credit history of LifeLock's CEO was hardly blemish-free before the Texas thief stole his identity. Like the company's founder, Robert Maynard Jr., Todd Davis also has a bankruptcy on his record. He filed in 2000 to escape about $82,000 in unpaid bills, federal records show.

His credit score might be higher now, if you believe the two-year-old company's claim that it has gained tens of thousands of customers just in the past month. It just moved into a second location at Hayden Ferry Lakeside Office Tower II, on the banks of Tempe's Town Lake.

It's true that LifeLock has become one of the most recognized names in identity-theft protection because of its robust radio advertising on the Howard Stern, Rush Limbaugh, and Paul Harvey shows.

But if you listen to its competitors, LifeLock is also one of the biggest jokes in the industry — which is really something, considering the industry as a whole isn't much better.

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The LL products were not developed in a jail cell in 2003. The nefarious origin was developed in the back of a taxi cab in March 2005, in less than 35 minutes with the help of a taxi driver named “Jimmie” who came up with the information on fraud alerts, because of his misfortune in Id Theft in 2002, and learning of placing credit fraud alerts by then Gov. Janet Napolitano in Arizona in September 2003 for 2 yrs. originally, then changed to every 3 months in February 2005, and the Original intellectual idea for “Lost Wallet” and “True Credit Address” & “Red Alerts”, a self replicating software product came from “Jimmie”. Also marketing channels of advertising were discussed. You should have seen Mr. Maynard after learning of the fraud alert system and product ideas, he lost his mind repeating”oh my God”, “oh my God” ( a light bulb turned on!) on a business idea. The 2003 jail story and a taxi drivers bank ID theft was used together as a marketing idea. A Phoenix New Times reporter was standing outside the cab in March 2005 when a 1% handshake deal on all “Liflock” profits was discussed mutually between “Jimmie” and Mr. Maynard as he exited the vehicle on Mill Ave in Tempe, down the street from the now, new offices of LL. I’d say be careful with the company, as the thing the taxi driver got was “LL” idea theft, no recognition or $$ for the product ideas in 9 years…


Partnered with Pre-Paid Legal, Kroll does not claim to prevent thieves from obtaining and misusing personal information � that would be impossible. What they do offer; however, is a promise to monitor their customer's credit and quickly inform them of suspicious credit activity and fully restore their credit to its previous status. In conjunction with a legal plan ($3 more otherwise), the cost is $9.95/mth for monitoring through Experian or $12.95/mth for monitoring though all three companies. This plan covers the primary member and their spouse, a considerable difference from most companies that require a membership each.

My friend was a victim of IDT a few weeks ago and Kroll called to inform her before she even noticed. Her bank accounts were already drained and Kroll of course instructed her to freeze any other funds, which she did. Within hours, the thief also attempted unsuccessfully to drain retirement accounts and had secured a driver's license in her name. Without the identity protection, she would not have known about the financial theft in time to freeze several accounts and may not have become aware of the license until possibly the thief had a traffic accident that she became responsible for financially or criminally if it involved manslaughter, even involuntary.

This is where the legal insurance becomes necessary. It can cost a little as $17 for 24-hour access to quality attorneys across the United States, including Hawaii and not Alaska. This includes the primary member, their spouse, legal dependants age 21 or less, full time students age 23 or less (with documentation), and disabled dependants for life (with documentation).

Plan include:Will preparation including revision yearly for the primary member ($20 for spouse or dependants) � we agree monthly revision would be excessive!Phone Consultations on Unlimited MattersUnlimited Contract and Document Review (up to 10 pages) One phone call or letter per (unlimited) subjectTwo business letters per yearYour lawyer will represent you against moving traffic violations (even in your absence) Your lawyer will defend you when you are charged with Manslaughter, Involuntary Manslaughter, Negligent Homicide, or Vehicular Homicide - I have not heard of any other insurance covering this!60 hours (Standard plan) of your Provider Lawyer's time at no additional cost when you or your spouse is named defendant or respondent in a covered civil or criminal action filed in a court of law. Your hours of legal service also increase over time.50 hours of your lawyer's time (including preparation and representation) in the event of an IRS audit25% discount on other services

I live in OR and was looking at PPL here. Coverage varies slightly as state laws are not the same. Further details under Plan Benefits:


As you can see, there is much more to the Pre-Paid Legal insurance plan than described in this article! Unfortunately, it doesn�t seem like thorough research was executed here.The $25 price quoted probably comes from our Expanded plan, which offers additional court representation hours, not identity theft protection. I personally recommend the Identity Theft protection and the Standard plan because I doubt many people will need more.

Best wishes, Sally Identity Theft Protection & Legal Insurance

cyber secure
cyber secure

Here is an email that I wrote to the Houston Chronicle...LifeLock must be stopped before too many people get hurt.

The Houston Chronicle ran an advertisement this past Thursday (September 20, 2007) for LifeLock. In the advertisement, Todd Davis claims that his service is so secure that he posts his true Social Security Number. I have attached a few articles below that prove, beyond a doubt, that the LifeLock service is not secure. His social security number was in fact stolen and used to obtain loans. It is also alleged that the founder of LifeLock stole his own fathers identity to obtain a loan to start Identity Theft Prevention about irony!

Our firm, Learn Privacy ( has publically challenged Todd Davis and LifeLock's claims. We can show, and have shown, at least 15 other ways to use his SSN for ill-gotten gains. There is absolutely no known way to secure one's identity. You can only make it difficult for a person to steal it and you can also recover from it...that is it. No one, including the finest minds at M.I.T., Harvard, Yale, Princeton or any other organization has ever devised a way of preventing the theft of a persons identity.

Here are just a few quotes about LifeLock's founder...

"His credit-repair company was shut down by authorities in the early 1990s for false advertising and deceptive practices. Forced closure means that a federal court order has banned Maynard from working in the credit-repair industry � forever."

"If it were based in Nevada, LifeLock would be subjecting itself to potential criminal liability for obtaining money or services under false pretenses"

Ray Stern
Ray Stern


Police in Texas have accused LifeLock of coercing a confession from the mentally disabled man who stole Davis' identity to take out a loan. No charges will be filed against the suspect because of LifeLock's involvement.For more details, see:


This too is a bit off topic for this particular article by Ray Stern, but I'm relieved to learn I'm not alone after reading comment # 9 here. I too was in disbelief at reading the irrational comment, a totally misdirected accusation coupled with an inability or unwillingness to read, that was posted by New Times writer Sarah Fenske the day before this # 9 comment was posted. (It was among comments posted to her "The Real Rip-Off Report" story.) I must say her unfounded screaming accusation was like witnessing a two-year old throwing a temper tantrum. Uncanny, thin-skinned, shallow, unfounded and unprofessional to put it simply. And she calls herself a journalist?


Who is this idiot above? He has Nunner brains. The comments obviously aren't shut off! And, besides, what's this fool's rant got to do with the LifeLock story?

Nuner U. Bidnis
Nuner U. Bidnis

Well, well, well.

It didn't take long for PHOENIX New Times to resort to abridging your First Amendment Right to Free Speech. Our writers can say anything bad they want about other people or businesses, but the minute you say anything bad about them... they shut off the ability to have a reasoned discussion about their lapses of judgement. Notice that the comments are shut off the the post below as of this post.

I posted my comments [#13] to the Sarah Fenske article, "The Real Rip-Off Report"

[Read the pleas of this author, Ray Stern, for help with this VERY story.]

Sarah first responds to me in her anonymous tirade as "hatefuckingliars" which is illogical and reveals her venom. Believe me, this is the real portentous Christian-in-uncharitible-clothing.

Then she later responds by denying my allegations, introducing counterallegations (even accusing me of being Ed Magedson, which shows her dementia; Ed could never be this cogent! or show this level of mastery of language and grammar, as witnessed by his attached appeal in the original article.)

Fenske shows how truly desperate she is and then finally gets her buddy, John F. Brewington, who admits putting her up to this hit piece, while also being under investigation himself. Then she shuts down the ability to respond. True to New Times standards... "Accept no truth but New Times truth." Dissent is never tolerated and if it angers an advertiser, it (or you) are out. Sounds like Soviet Russia more than the voice of the people.

Sarah never mentions that and she also never admits that she failed to fully research the issue. The whole SEO issue is one that is so hotly under scrutiny that it should probably be part of this story.

Here is what the FTC has to say about companies like QED Media, which incorporates the sheer malevolence of Russo, Stanley, and Brewington. Sarah never reported that Russo and Stanley, hired by Brewington, had been convicted of making threats (that's assault, folks) and ordered to cease and desist their harassment of Magedson. I guess Sarah has joined this gang of thugs.

Here is something else that Sarah concealed about her research of SEOs like QED Media [This is from the Google Webmaster Help Center, parts actually extracted from the Federal Trade Commission website]:

"What's an SEO? Does Google recommend working with companies that offer to make my site Google-friendly?

SEO is an abbreviation for "search engine optimizer." Many SEOs provide useful services for website owners, from writing copy to giving advice on site architecture and helping to find relevant directories to which a site can be submitted. However, a few unethical SEOs have given the industry a black eye through their overly aggressive marketing efforts and their attempts to unfairly manipulate search engine results.

While Google doesn't have relationships with any SEOs and doesn't offer recommendations, we do have a few tips that may help you distinguish between an SEO that will improve your site and one that will only improve your chances of being dropped from search engine results altogether.

Be wary of SEO firms that send you email out of the blue. Amazingly, we get these spam emails too:

"Dear,I visited your website and noticed that you are not listed in most of the major search engines and directories..." Reserve the same skepticism for unsolicited email about search engines as you do for "burn fat at night" diet pills or requests to help transfer funds from deposed dictators.

No one can guarantee a #1 ranking on Google. Beware of SEOs that claim to guarantee rankings, allege a "special relationship" with Google, or advertise a "priority submit" to Google. There is no priority submit for Google. In fact, the only way to submit a site to Google directly is through our Add URL page or through the Google Sitemaps program, and you can do this yourself at no cost whatsoever.

Be careful if a company is secretive or won't clearly explain what they intend to do. Ask for explanations if something is unclear. If an SEO creates deceptive or misleading content on your behalf, such as doorway pages or "throwaway" domains, your site could be removed entirely from Google's index. Ultimately, you are responsible for the actions of any companies you hire, so it's best to be sure you know exactly how they intend to "help" you.

You should never have to link to an SEO. Avoid SEOs that talk about the power of "free-for-all" links, link popularity schemes, or submitting your site to thousands of search engines. These are typically useless exercises that don't affect your ranking in the results of the major search engines -- at least, not in a way you would likely consider to be positive.

Some SEOs may try to sell you the ability to type keywords directly into the browser address bar. Most such proposals require users to install extra software, and very few users do so. Evaluate such proposals with extreme care and be skeptical about the self-reported number of users who have downloaded the required applications.

Choose wisely. While you consider whether to go with an SEO, you may want to do some research on the industry. Google is one way to do that, of course. You might also seek out a few of the cautionary tales that have appeared in the press, including this article on one particularly aggressive SEO: http://seattletimes.nwsource.c.... While Google doesn't comment on specific companies, we've encountered firms calling themselves SEOs who follow practices that are clearly beyond the pale of accepted business behavior. Be careful.

Be sure to understand where the money goes. While Google never sells better ranking in our search results, several other search engines combine pay-per-click or pay-for-inclusion results with their regular web search results. Some SEOs will promise to rank you highly in search engines, but place you in the advertising section rather than in the search results. A few SEOs will even change their bid prices in real time to create the illusion that they "control" other search engines and can place themselves in the slot of their choice. This scam doesn't work with Google because our advertising is clearly labeled and separated from our search results, but be sure to ask any SEO you're considering which fees go toward permanent inclusion and which apply toward temporary advertising.

Talk to many SEOs, and ask other SEOs if they'd recommend the firm you're considering. References are a good start, but they don't tell the whole story. You should ask how long a company has been in business and how many full time individuals it employs. If you feel pressured or uneasy, go with your gut feeling and play it safe: hold off until you find a firm that you can trust. Ask your SEO firm if it reports every spam abuse that it finds to Google using our spam complaint form at Ethical SEO firms report deceptive sites that violate Google's spam guidelines.

Make sure you're protected legally. For your own safety, you should insist on a full and unconditional money-back guarantee. Don't be afraid to request a refund if you're unsatisfied for any reason, or if your SEO's actions cause your domain to be removed from a search engine's index. Make sure you have a contract in writing that includes pricing. The contract should also require the SEO to stay within the guidelines recommended by each search engine for site inclusion.

What are the most common abuses a website owner is likely to encounter?

One common scam is the creation of "shadow" domains that funnel users to a site by using deceptive redirects. These shadow domains often will be owned by the SEO who claims to be working on a client's behalf. However, if the relationship sours, the SEO may point the domain to a different site, or even to a competitor's domain. If that happens, the client has paid to develop a competing site owned entirely by the SEO.

Another illicit practice is to place "doorway" pages loaded with keywords on the client's site somewhere. The SEO promises this will make the page more relevant for more queries. This is inherently false since individual pages are rarely relevant for a wide range of keywords. More insidious, however, is that these doorway pages often contain hidden links to the SEO's other clients as well. Such doorway pages drain away the link popularity of a site and route it to the SEO and its other clients, which may include sites with unsavory or illegal content.

What are some other things to look out for?

There are a few warning signs that you may be dealing with a rogue SEO. It's far from a comprehensive list, so if you have any doubts, you should trust your instincts. By all means, feel free to walk away if the SEO:

owns shadow domains puts links to their other clients on doorway pages offers to sell keywords in the address bar doesn't distinguish between actual search results and ads that appear in search results guarantees ranking, but only on obscure, long keyword phrases you would get anyway operates with multiple aliases or falsified WHOIS info gets traffic from "fake" search engines, spyware, or scumware has had domains removed from Google's index or is not itself listed in Google If you feel that you were deceived by an SEO in some way, you may want to report it.

The Federal Trade Commission (FTC) handles complaints about deceptive or unfair business practices. To file a complaint, visit: and click on "File a Complaint Online," call 1-877-FTC-HELP, or write to:

Federal Trade CommissionCRC-240Washington, D.C. 20580 If your complaint is against a company in another country, please file it at"

Rob Anderson
Rob Anderson

Ray Stern is absolutely clueless. He clearly has no idea about the concerns or affects of identity theft as a whole. He's quick to point out some of the industry's perceived shortcomings, but lacks the journalistic integrity and expertise to cover all sides fairly. I guess that's par for the course for a paper that's more focused on selling advertising spots for massage palors and hookers than it is for reporting the accurate facts.

The real Danny Lents - IdTheft
The real Danny Lents - IdTheft

Identity theft insurance certainly seems like a very profitable scheme for the insurance companies. Let�s say they charge $13 per month and they have 500,000 customers. The current US population is approximately 302 million, so 500,000 customers only represent 0.16% of the population. Even with only 500,000 customers, a company can bring in $78,000,000 per year by charging $13 per month.

Most of the insurance customers won't make claims given that less than 4% of Americans become victims each year. Even all ID theft victims who are insurance companies wont' make expensive claims because of claim caps, deductibles and other limitations.

It's easy to see why the ID theft insurance companies are making the big marketing push.

Would you be able to trust that someone else has done a through job of taking care of issues involving your identity theft? I think most of us would feel compelled to verify an ID theft insurance company actually did the work -- you may as well do it yourself.


Bold & Beautiful
Bold & Beautiful

Damn Dan, why don't you just get a job with the New Times and write your own article. By the sounds of it, LifeLock won't be able to deal with a customers issues if they did get their identity stolen!! Todd deserves what he got. What a idiot to give out his SS# to the public. He should have known better. But then again, he let Maynard be a investor in the company!!


On behalf of LifeLock, I would like to provide for New Times readers some of the information that was given to the reporter in response to his questions, but not used or addressed in this story. We strongly believe that this information shows, in no uncertain terms, that LifeLock�s protections do work to greatly reduce the chances of identity theft and that all but a small handful of LifeLock�s 200,000 plus customers are satisfied with the service.

Please consider:

� According to a statistic reported in the original May 31 New Times story about LifeLock, an average of 3.7 percent of Americans were victims of identity theft and FTC statistics showing about 100 out of every 100,000 Americans have fallen victim. LifeLock is aware only seven (7) reported identity thefts among its well over 200,000 customers, or roughly .0003 percent. It�s also just a fraction of a fraction of the national average reported in New Times on May 31. Seven is seven too many, but we believe this information pointed to a very important bottom line: LifeLock is effective in preventing identity theft.� LifeLock has six documented Better Business Bureau complaints in its history. While LifeLock also believes that six complaints is six too many, this is also a highly enviable record in the service industry where any growing company of LifeLock�s size could easily generate hundreds of complaints without necessarily being tarnished. None of these complaints involved identity theft, all were addressed and all but two were resolved to the customer�s satisfaction.� The average cancellation rate for LifeLock is seven percent, again an enviable attrition rate for any service. None of the cancellations were the result of stolen identity.

We appreciate the opportunity to provide this context for New Times readers,

Robbie SherwoodRose & Allyn Public Relations


As a Certified Identity Theft & Risk Management Specialist I must agree with Dan. You did a great job in stating some of the facts, but should research the entire issue. There are articles writen everyday about somebody who was arrested because someone else commited a crime in there name. Or found out someone had had surgery using their identity, or even working in their name. You can google any of these and find thousands of creditable articles about these other areas of identity theft.The Gardner report says that there were 15 million victiums last year and the FTC state it can take on average up to 600 hours to fix the problem. I believe most be should be aware of identity theft and do not have the time to fix the problem.

Dan Robison
Dan Robison

I am always entertained by the "experts" that say that you can do everything yourself for free. On the one hand, I applaud the New Times for their recent articles exposing the CreditLock marketing as unreal and imperfect. Then on the other hand as someone who spends many hours everyday researching, teaching, and helping others be able to restore their identities, I have to wonder if you consider your "expert" the last word.The news reports aren't lies nor is the scrambling by local, state and national governments to turn the tide a waste of time, money and energy. Just because some retired guy who has all the time in the world to fight his own battle says that restoring your good name which took your whole life to establish is a do-it-yourself project, that doesn't mean that the rest of us are going to drop our guard.Let's face it. Credit fraud is only 28 to 44% of the problem depending on who's statistics you believe and your "expert" seems to think that the banks and credit card companies are going to eat the losses carte blanche. The FTC provides through several laws, what the timeframes for consumer liability is and it's not a free ticket out of jail just cause you deny it after the fact.Since there is medical, criminal, IRS, Social Security, Drivers License, criminal AND financial identity theft, does this mean that if Pierre, an illegal alien steals your identity in Florida, gets arrested for shoplifting in Kentucky with your identity, gets a traffic ticket in South Carolina for speeding, has knee surgery in Alabama, buys a house in Tennessee and sells it 2 months later, gets a job in Georgia and after working for 6 months starts a business in Texas, your expert can deal with all state laws and jurisdictions, repair the medical records individuals don't have access to, then take care of the warrants for arrest in both states. Of course the buyers and sellers of the real estate will worry about the legal issues they have, the social security administration will blindly give you credit for the payroll deductions the thief didn't pay, the IRS won't care about the taxes owed on the business, not paying all the creditors of the business is no problem, and the landlord, the sales tax department, and on and on will just shred the files and move on?So the solution is that they all call you up and when you say that despite the fact that none of those things were done by you, that you have no liability, no problems with bill collectors, government agencies, lawsuits and can walk away Scot-free with no damage. Your "expert" shows little or no knowledge of the seriousness and extent of the Identity Theft problem.Identity Theft is a global reality. The ones that call the bank, they forgive them and move on are lucky (this time around).Thank you for pointing out how lacking CreditLock is. If anyone thinks they can solve everything they don't watch the news. After a few years of fraud alerts that are placed where no fraud exists yet, no one will pay attention to them. It will be the same as crying wolf.The best organizations that train people to know and understand Identity Theft prevention, protection and restoration are not on the forefront. You won't see Rush Limbaugh and Dr. Laura advertising them 10 times a program. Since it may cost an ounce for prevention, you won't see the penny pinchers buying it, cause they do their own taxes, represent themselves in court, and possibly perform their own surgery because they don't believe in doctors or going to the hospital either. Their lives are simple and so is Identity Theft; so simple it has no solution.In my limited experience in going from asking 25 people in a room if they have heard of identity theft with 10 or so not raising a hand a year or so ago, to everyone knowing and 5 or more out of the 25 being a victim, I would say the alarm bells are ringing.Less than 5% of the thieves get caught(just the stupid ones).Tens of millions of victims, with billions in losses and no end in sight, and we don�t need to keep tabs on our financial situation on a daily basis you say?Tons of new laws are being enacted with most of them targeting what businesses do to help the consumer.Over 158 million records lost (that we know of) by government, schools, business, even the Girl Scouts which is more that the thieves could get around to using in the next 10 years and some don't see cause for alarm.Stop beating up on those that are at least doing something to offer help to all of us out there. Please verify your sources and get your fact straight. That's why CreditLock has done so well; misinformation. While you're at it, forget about finding more know-it-all old codgers to help the rest of the millions. Just cuz' you've had the flu don't mean you can concoct the vaccine.


What about thieves who steal your medical information or driver's license info or just plain commits crimes in your name? This article covers only financial identity theft. What does one do for the above crimes which seems they would be considered as identity theft as well?

As far as credit monitoring, I can do this one my own, but I can only get for free, my credit report 3 times per year which does not show my credit score. So its possible someone can open account in my name the day after I get a credit report, but I might not know about it til 4 months later when its time to get my next free credit report. Is that scenario possible?

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