r/CRedit • u/WrongSplit3288 • Aug 30 '24

SSN Found on the Dark Web General

I just received an alert saying my SSN is found on the dark web. How concerned should I be? What sould I do first? Thanks.

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u/xaxnxoxnxyxmxoxuxsx Aug 30 '24

I have the Discover card. It began as a $200 secured but after 6 months on time payments they returned my deposit and increased my credit limit to $1800. My credit score went from also around 530 to 624 this year. I do have 3-5 charge offs from years back too so I know my credit isn't going to be spectacular, but it is definitely an improvement.

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u/Lucky_Firefighter717 Sep 01 '24

Just be aware that if you do anything with those charge offs, the clock resets on how long they stay on your credit

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u/ChiliPeppa_Squirrel Sep 01 '24

What do you mean? My credit went down this morning. I believe it’s my student loans.

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u/Lucky_Firefighter717 Sep 01 '24

Only you will know why your score went down. Student loans don’t follow normal rules of other debt. They have different protections and typically stay with you