Credit freezes protect your identity; better than credit monitoring

Betty Q. Hixson

Today let’s talk about the importance of protecting your credit from being stolen. 

For last week’s column, I spoke with Eva Velasquez, the CEO of the Identity Theft Resource Center about the dangers of cyberattacks in the wake of the Ukraine crisis. We went over steps you should take to protect yourself and your accounts.

Betty Lin-Fisher column:Tips to protect yourself from cyberattacks with crisis in Ukraine

Velasquez and I also discussed the importance of credit freezes.

The subject has come up again because a large number of people within the last month likely received an email notifying them that they are eligible for four years of free credit monitoring as part of a settlement in the large Equifax data breach from several years ago. 

In September 2017, Equifax, one of the three major credit reporting agencies, announced a data breach that exposed the personal information of 147 million people – nearly half the U.S. population. The company agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau and 50 U.S. states and territories.

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