As you have likely seen, Equifax (one of the three main credit bureaus) had a large security breach that lasted from mid-May through July. There are a lot of notices and alerts suggesting what you can do to protect yourself, so we wanted to share our thoughts with you regarding proactive measures you might consider taking to protect your personal information.
- Freeze your Credit: Each credit bureau allows you the option to freeze your credit, which helps prevent criminals from being able to open new accounts with your information. You can do this online or via phone, but will need to do so directly through the Credit Bureaus. Please be aware that once your credit is frozen, you will have to un-freeze it before applying for any new lines of credit.
- Equifax: https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp
- Experian: https://www.experian.com/freeze/center.html
- TransUnion: https://freeze.transunion.com/sf/securityFreeze/landingPage.jsp
- Opt-Out of Prescreened Credit Offers: You likely have received numerous mailings from credit card companies trying to persuade you to open new credit cards. You can stop this by visiting this website https://www.optoutprescreen.com or calling this number 1-888-567-8688.
- Check your Annual Credit Report: Each of the three bureaus allow you one free credit report check per year by visiting this website https://www.annualcreditreport.com. It is important to check this at least once per year to see if you notice any suspicious accounts or activity.