It is hard to believe that you can actually find out who owns a free credit card number and Cvv and your identity is safe. Most people have turned to the Internet in their search for personal information, but they must have also looked in the local yellow pages and the white pages for this information. It has to be very frustrating to hand over personal information, only to have it used against you in a court of law.
All it takes to track down information that pertains to you is your first and last name, along with any middle names you may have. The three main credit reference agencies are Equifax, Experian and TransUnion. You can request a free credit card number and Cvv from these companies. The problem is the information you will receive is not likely to be accurate. It is also free, but it isn't worth it.
The reason why this information is not accurate is because it is harvested from the CRAs. The credit reference agencies make money by selling this information to insurance companies. Insurance companies then turn around and sell the numbers to creditors. The only reason this information is free is because the government has mandated that the three major CRAs have to provide annual reports on a standard format to all consumers. This is the one piece of legislation that makes the entire process legal.
So how do you go about obtaining your own CUV and number? You could spend hours on the phone trying to talk to a live operator, but the truth is you need to look online. There are several companies that have built websites that allow you to enter your information, and then they will deliver it to you. This is a much easier process, and it will be cheaper as well.
You can use these free credit card number and CUV sites to see what information they have on record. If they have the number, and it's available, then you will want to pick a site that searches multiple databases. That way, if the person is using multiple cards, you will know exactly which one they are using. The biggest advantage here is that you can also obtain a criminal background check.
Once you have the information, you can then figure out if the person is a good risk. In other words, if you don't know much about them, then it's better to stay away from them. But if you know their social security number, birth date, and current address, then you can begin to investigate further. The advantage to using a site like this is that you can have everything you need to make a decision before paying for the credit card.
After you've figured out which companies you want to go with, you can then search for a free credit card number and CUV website that offer them. Again, the biggest advantage to this method is that you can instantly obtain a copy of their financial history. It may take some time depending on how many reports they have. They should also have contact information if you can't find it on the site. Make sure that you can follow up if you need any more information.
Finally, if everything checks out, go ahead and order the reports. Typically, you should receive them within about a week. It doesn't hurt to check them out more than once just in case there is an error. The important thing to remember is to take the information with a grain of salt. Just because they say it is free, doesn't mean it isn't accurate.
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