The ONLY upside is that you have a LEGITIMATE dispute when creditors and debt buyers come hounding or suing you. And I wish you took the time to file a public complaint with the Cal. AG. The REAL crime is that these thugs are allowed to defraud people with impunity and the REGULATORS deserve more jail time than these crooks.

Also, if they are still in business you CAN sue them.

Make sure you SAVE the report and the report # because you can get free new reports for the next 3 months with the report #.

Obviously, make sure nothing incorrect is on the report and of course talk to your bank. They CAN tell you why exactly they declined your loan, whether they used a credit score, etc.

Although it is false that you gain privacy by putting your property in a trust because the TAX ASSESSOR requires the GRANTOR’S information for the tax bill — which is public record. Been there, done that

It is also false that you can travel anonymously (unless you choose to purchase a forged passport / ID) and this book is definitely only for people with cash to blow.

The absolutely best way to prevent ID theft is to max out your credit cards and STOP paying. Of course there are consequences and people should PREPARE and make sure they’re at least near judgment-proof, make sure creditors don’t have the number for the phone they answer, etc.

This technique is not only free, but it’s profitable as you no longer pay the credit cards and it is PATRIOTIC, as you did what you can (legally) to protest our corrupt banking system, regulators and politicians.

You no longer need to buy credit reports and monitoring services and you will be FREE at last.

MANY Americans are judgment-proof (have nothing creditors can take). They should all vote with what little money they have and the last thing they need to worry about is ID theft.