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does India let you “freeze” your credit report?
it’s so convenient these virtual online fintech apps for loans and such, but that’s why the attackers target them. they’re legitimate accounts which leads to these credit pulls!!
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I don’t know much about now as I'm not worried anymore. But yeah, there is a kind of similar credit report lock which can be done by reaching to credit bueuros. But again they make a new credit bureau, it’s nothing difficult here.
So, I chose to deceive them by showing myself poor, that’s the best defense. And mostly I deal in cash, And if I need loan anytime, I get it against bitcoin.
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I got similar kinda attack about 7-8 years ago. The attacker signed up on a private personal loan provider app and my credit report was generated, for which I got a message whir I was sleeping. These apps do work round the clock. Then there was a loan taken out against my details, all done overnight.
There were not so much help from police and authorities back then here in India, for these private lenders via were very new for them as well and they didn’t know what to do. So, after trying out here and there for what to do next, I decided to degrade my credit score by not paying on time of the last three of my own Viechle loan which was ongoing at that time. I repaid the these 3 instalments in about 3 years, my credit score was bad to worse and eventually worst when I myself started checking credit score almost every day.
However it did not stop scammers from attempting to get anything out of my details, but they never could however until now I receive such attacks now and then. The scam market of identity theft in India is such nobody can race against them.