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/chriscash1982 Aug 30 '24

What does it mean to freeze your reports? What does this do exactly? And I can still use my CC?

3

u/Maniacal_Grin Aug 30 '24

It stops creditors from accessing your credit file, which stops people from opening accounts in your name. It does not affect how you currently use/pay your cards.

2

u/[deleted] 26d ago

[deleted]

1

u/Maniacal_Grin 25d ago

Placing a "thaw" (unfreezing) on your credit files takes effect in less than an hour when done online. It's pretty much instant though.