Concerned about the latest Equifax security breech that has affected nearly 150 million users? I was.
I read a helpful article that recommended placing a freeze on my credit reports, which makes it impossible for new credit lines to be taken out. That sounded like the safest bet and best bang-for-the-buck, rather than paying $10-30/mo for identity theft monitoring.
In about 10 minutes each, I had the freeze in place. Equifax was free to do so, and Experian and TransUnion charged me $10 each — but the fee depends on what state you live in and if you’ve been a victim of ID theft already.
However, the article I read didn’t give links to the 3 credit bureau’s “freeze” forms online, and that added to the time it took to place the freeze, so here’s all you need if you’d like to place a freeze on your credit reports:
Hope that helps!
Also see my blog post: How to dispute a credit report issue in under 5 min