Early Warning

Dinosaur wrote: ↑Mon Feb 05, 2024 12:33 pm CRs In the event you have an interest in privacy do not use a financial that eat, sleep and breathes releasing all your transactions! Today I received my twenty-one-page Early Warning Report with actually everything about me on the first two pages and I mean everything. Not to be overlooked is an accounting of the inquiries which did include insurance companies (why?). NOT all financials report (thank heavens) but, three big reporters come to mind. They are: US Bank, Discover Bank and USAA Bank. Found that every check, every digital transaction along with deposits were run through Early Warning by US Bank. Discover focused on account opening and closings. USAA also reported every check and digital transaction with deposits along with account open and closings. Early Warning says they are not a credit bureau and are outside the regular reporting standards and compliance requirements?! Considering the information that I found going back to the year 2021, this should be required to act like a credit bureau (my opinion only). In the event I was a hacker, Early Warning has more personal direct information than the three credit bureaus. If someone stole your Early Warning Report, everything needed to establish a stealing of your identity is present!!! Someone might ask what can I do? Great question and you cannot stop financials from using the service. So, your only choice is to make sure you use a financial that does NOT use Early Warning. It would be helpful to know who the non-Early Warning financial users are, but I do not know how to secure such information? Dino

Beefy wrote: ↑Mon Feb 05, 2024 12:52 pm

Dinosaur wrote: ↑Mon Feb 05, 2024 12:33 pm CRs In the event you have an interest in privacy do not use a financial that eat, sleep and breathes releasing all your transactions! Today I received my twenty-one-page Early Warning Report with actually everything about me on the first two pages and I mean everything. Not to be overlooked is an accounting of the inquiries which did include insurance companies (why?). NOT all financials report (thank heavens) but, three big reporters come to mind. They are: US Bank, Discover Bank and USAA Bank. Found that every check, every digital transaction along with deposits were run through Early Warning by US Bank. Discover focused on account opening and closings. USAA also reported every check and digital transaction with deposits along with account open and closings. Early Warning says they are not a credit bureau and are outside the regular reporting standards and compliance requirements?! Considering the information that I found going back to the year 2021, this should be required to act like a credit bureau (my opinion only). In the event I was a hacker, Early Warning has more personal direct information than the three credit bureaus. If someone stole your Early Warning Report, everything needed to establish a stealing of your identity is present!!! Someone might ask what can I do? Great question and you cannot stop financials from using the service. So, your only choice is to make sure you use a financial that does NOT use Early Warning. It would be helpful to know who the non-Early Warning financial users are, but I do not know how to secure such information? Dino

You have a link?

Dinosaur wrote: ↑Mon Feb 05, 2024 12:57 pm

Beefy wrote: ↑Mon Feb 05, 2024 12:52 pm

Dinosaur wrote: ↑Mon Feb 05, 2024 12:33 pm CRs In the event you have an interest in privacy do not use a financial that eat, sleep and breathes releasing all your transactions! Today I received my twenty-one-page Early Warning Report with actually everything about me on the first two pages and I mean everything. Not to be overlooked is an accounting of the inquiries which did include insurance companies (why?). NOT all financials report (thank heavens) but, three big reporters come to mind. They are: US Bank, Discover Bank and USAA Bank. Found that every check, every digital transaction along with deposits were run through Early Warning by US Bank. Discover focused on account opening and closings. USAA also reported every check and digital transaction with deposits along with account open and closings. Early Warning says they are not a credit bureau and are outside the regular reporting standards and compliance requirements?! Considering the information that I found going back to the year 2021, this should be required to act like a credit bureau (my opinion only). In the event I was a hacker, Early Warning has more personal direct information than the three credit bureaus. If someone stole your Early Warning Report, everything needed to establish a stealing of your identity is present!!! Someone might ask what can I do? Great question and you cannot stop financials from using the service. So, your only choice is to make sure you use a financial that does NOT use Early Warning. It would be helpful to know who the non-Early Warning financial users are, but I do not know how to secure such information? Dino

You have a link?

Link: https://www.earlywarning.com/ ... box in the upper right-hand corner that says "Your Consumer Report"

Beefy wrote: ↑Mon Feb 05, 2024 3:33 pm

Dinosaur wrote: ↑Mon Feb 05, 2024 12:57 pm

Beefy wrote: ↑Mon Feb 05, 2024 12:52 pm You have a link?

Link: https://www.earlywarning.com/ ... box in the upper right-hand corner that says "Your Consumer Report"

Man that was a lot of clicks on mobile to get to where you can request your information… https://consumerservices.earlywarning.com/ Here is the direct link to create an account and request your report.

Dinosaur wrote: ↑Mon Feb 05, 2024 4:52 pm Beefy Advice. Most of the time I get bounced out of online and have to send everything USPS snail mail. What is the secret. The worst for me is EQ ... It has been many years since I used the Annual Reports and I think the Big 3 owe me one. Dino

Beefy wrote: ↑Mon Feb 05, 2024 5:55 pm

Dinosaur wrote: ↑Mon Feb 05, 2024 4:52 pm Beefy Advice. Most of the time I get bounced out of online and have to send everything USPS snail mail. What is the secret. The worst for me is EQ ... It has been many years since I used the Annual Reports and I think the Big 3 owe me one. Dino

I umm use that phone thingy you talked about not being able to read… I am literal sitting in front of my powered on computer using my phone. Do you use your phone as your internet or ___ ? Might be some learning here?

Dinosaur wrote: ↑Mon Feb 05, 2024 8:14 pm

Beefy wrote: ↑Mon Feb 05, 2024 5:55 pm

Dinosaur wrote: ↑Mon Feb 05, 2024 4:52 pm Beefy Advice. Most of the time I get bounced out of online and have to send everything USPS snail mail. What is the secret. The worst for me is EQ ... It has been many years since I used the Annual Reports and I think the Big 3 owe me one. Dino

I umm use that phone thingy you talked about not being able to read… I am literal sitting in front of my powered on computer using my phone. Do you use your phone as your internet or ___ ? Might be some learning here?

No I have home internet, it is just habit? Generational? Preference?