Early Warning Services allows people to get a free copy of their consumer report, and I recommend everyone look at the data contained. You might just be surprised that all of your bank transactions are separately reported by those banks that report to Early Warning. On top of that, your Routing & Account numbers, Drivers License Number, and address are also there. It's quite a lot of personal information some hackers and/or thieves would love to obtain. When it comes to our Experian, Equifax, and TransUnion files, the banks do not report every separate transaction we charge on our credit cards. However, and sadly, the banks are reporting every transaction and the amount. I would say that most people are not aware of this. We know Equifax was hacked a while ago, so it's okay to fear Early Warning might one day get hacked. Additionally, it's always possible a nefarious employee of Early Warning might access someone's data.
I imagine the government could get access to our Early Warning file, as well. Also, unlike with Experian, Equifax, and TransUnion, we cannot freeze our Early Warning consumer file. Early Warning is not required to place a security freeze or fraud alert on consumer reports.
I guess if someone unauthorized sent Early Warning fake ID pretending to be us, assuming they knew our ss# and address, they'd easily be able to get a copy of our report emailed to them, just as I easily as I got mine emailed to me by simply uploading a copy of my legit ID.
