All Posts by Nalini Indorf Kaplan

How to Freeze Your Credit Reports

Want to prevent potential identity theft and minimize or stop unwanted solicitations, especially from credit companies? Read on to learn how.

Cost: Free in terms of money. Takes one to two hours of effort to set up and five minutes if you need to unfreeze your account.

Data Protection Impact: Very High

It is hard to escape the stories of data breaches as they seemingly appear daily in our news. A data breach means that someone broke into a company’s system or systems and stole personal information contained in the system. Companies are legally obligated by law to report data breaches. Though some companies take steps to mitigate the damage; for example, Equifax offered credit monitoring for a year for free, there are currently few options for you to protect information about yourself once someone has broken into (hacked) a company’s system. The best way to protect yourself and minimize the possibility of identity theft - a real problem in the United States - is to freeze your credit report files. After the huge Equifax data breach in 2017, there was a public outcry which resulted in making the freezing of accounts free to each of us.

Check if you are affected by the data breach by clicking here: http://www.equifaxsecurity2017.com/

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