Can someone obtain a copy of your credit report without your permission?

i have already had my identity stolen last year and it was a nightmare. a friend said it's possible for someone to get a copy of my credit report from one ot the 3 agencies if they really tried? don't those agencies check correct addresses? also, i was reading an article recently and an police officer said he'd never, ever use an atm card in a store or even go to an atm machine unless it's an emergency. good grief.

There are all sorts of ways for your identity to be stolen. Whoever has stolen pieces of your identity is perfectly capable of accessing your credit information. If they have your name and social security number the rest is easy. Google opens the world to all sorts of information including phone numbers and addresses. You can even get complete background checks on people using the internet if you wanted to pay a few bucks.

People can watch you every step you take, so yes it is possible they could steal your information if you went to the ATM. They wouldn't get the juicy stuff but they could get your card number and your pin number. Always check who's around when you go to use your ATM card so that you are out of eyesight when you enter your pin. And try not to let the person take your card to swipe it. It is much safer to swipe it yourself. When people take your card they could be doing any number of things with it.

For instance you pay with your credit card at a restuarant and they take the card to ring you up. Right then and there when they walk away they have your full name, the card number, and the security code on the back of the card. All they need to do when they go home is google your address and then they can use your card online to buy things.

When they take a card from you even at a counter and slide it through, it could be slid through a black market slider that stores all your credit information. I had this happen to me at a gas station, Wachovia told me this is one of the ways they may have gotten my credit information.

It is unfortunate that there are people out there like this. You need to just be extra careful. Try doing some research into LifeLock. They claim to protect you from identity theft - I cannot vouch for them so please do your own investigating.

Also many credit card companies and banks over identity theft coverage, even insurance compies like Allstate may have policies to help protect you in the case of identity theft.

not legal but possible

I'll need your social security number to answer this question.

good question. dont know.

Yes, if they have all the information.

I think they need your social to check your credit. If someone besides you knows your social, there's your problem.

If that person knows all your information than yeah they can. What you need to get is something called LifeLock, and they protect all your information from being obtained.

Well with the correct information they most certainly can but it is highly illegal.

Somebody who works in a job that pulls credit reports can do it pretty easily. Go try to buy a car, and see how easy it is for them to pull your credit.

Otherwise, they would need your name, SSN, and some other information, including possibly employers and information about open accounts, etc. Not exactly easy, but somebody could acquire this information about somebody if they really tried.

Refusing to use an ATM card is kind of in the realm of paranoia, though..

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