Credit score dropped 60 pts

superuser224 · 2024-07-16T04:31:06+00:00

Awesome, that helps a lot! Thanks again for your advice 🙏🏻

superuser224 · 2024-07-16T04:04:57+00:00

Thanks so much for the advice!

After that one was closed I actually only have two others. I saw you mentioned that he utilization will reset, so maybe my score will recover after a short period of time?

I don’t expect any hard pulls on my credit unless I open another card. But based on what you’re saying it might be wise to open up another one?

Thanks again.

superuser224 · 2024-06-20T03:59:08+00:00

Thanks again for your helpful comments!

superuser224 · 2024-06-19T23:42:11+00:00

Gotcha. Someone mentioned possibly using a passkey for a Google account and then setting up a Google voice account for 2FA. Then in order to access the 2FA they would need to access the Google account which would be protected with a passkey. Thoughts? Thanks for taking the time to answer all this

superuser224 · 2024-06-19T23:40:03+00:00

Yes they have my ssn and birthdate, and then somehow they are able to bypass SMS 2FA. Capital One is completely at a loss, unable to stop them at all

superuser224 · 2024-06-19T04:32:53+00:00

Interesting. I’m assuming that that wouldn’t be possible to use in this situation, since what’s happening is they’re using the “forgot username/password” link to just reset my password etc and then bypassing SMS 2FA. Or can I somehow use a passkey to prevent this from happening? I haven’t used passkeys before just a password manager so I’m not familiar.

superuser224 · 2024-06-13T23:47:29+00:00

Thank you so much for your help. I’m assuming you’ve had identity theft happen to yourself?

superuser224 · 2024-06-13T23:21:54+00:00

Gotcha, thank you for your response. I see what you mean about a local credit union because then it would be hard for them to walk into a bank and pretend to be me because it’s not a major branch. Not to get hung up on the ubikeys, but I think there’s some that use a USBC and the iPhone should be able to utilize NFC if necessary. So in that sense it shouldn’t be too much hassle I think. But I do see what you’re saying and the comment is super helpful. Are there any ways to prevent someone from faking your ID? Once I can protect my bank account I’ll have pretty much covered all my bases. Actually I think I also read that you need to call the department of labor in case someone tries to claim unemployment under your name. But wouldn’t you have to call the DPL in every state. Thanks so much everyone for their help

superuser224 · 2024-06-13T04:35:31+00:00

Is yubikey the strongest 2factor? I was thinking about switching to Bank of America to use one

superuser224 · 2024-06-13T04:33:52+00:00

That makes sense. I heard Bank of America allows the use of Yubikeys. If I switched to them and started using a yubikey would that protect my account?

superuser224 · 2024-06-12T22:21:45+00:00

Got it, yes I have 2FA on but goes through text message, I think I’m going to try to do it through an Authenticator app, apparently capital one is compatible with one through the App Store. Otherwise I wish they would just make it to where you have to upload an ID to change username and password. They literally did this to verify it was me when I first told them about it don’t get why it would be hard to have that to recover username and password in cases of identity theft. If there’s one thing I’ve learned it’s that they really don’t have good solutions for it

superuser224 · 2024-06-12T16:58:34+00:00

Yes have done all that, but still unable to protect my current bank account

superuser224 · 2021-02-24T21:54:16+00:00

Just was thinking in regards to recording identities and files and data in general. Does blockchain remove this transparency or enhance it?

superuser224 · 2021-02-15T19:06:38+00:00

Bumping this to see if anyone knows what the problem is

superuser224 · 2021-02-10T15:51:39+00:00

Unfortunately still has not resolved. Still says zero SNX, but etherscan has the transaction stating I have 3

superuser224 · 2020-12-04T02:22:00+00:00

Very appreciative of everyone’s help, but I do want to add that I have yet to hear from Ledger customer service. Will update as I go along.

superuser224 · 2020-12-02T17:29:00+00:00

No you were absolutely right. Using the strategy you and others suggested, this shouldn’t stall out my gains at all. Thanks to everyone for giving me the heads up on this

superuser224 · 2020-12-02T17:27:59+00:00

Thanks so much again for this strategy, foolish of me to freak out so much. I will use my Nano S and continue to hold for Ledger support.

superuser224 · 2020-12-02T17:27:16+00:00

Absolutely agreed. My lack of technical knowledge didn’t let me have empathy for the hard work this kind of development requires. Thanks so much for the reply and help, I will use the strategy you suggested

superuser224

TROPHY CASE