A while back, my friend refinanced her house and then she froze her credit. We had been discussing identity theft when she told me about this. I’d never heard of this concept before. Times have changed I guess, because now phrases like “data breach” and “identity theft” seem to be a part of daily vernacular. Recently, one of the top three credit bureaus, Equifax, was hacked and now we are left to wonder whether our personal data is out there being sold on the “dark web.” (That’s another fun new term – look it up!)
The silver lining is that it is easy to freeze your credit and protect yourself from strangers opening credit cards and securing loans in your name. It took me all of 30 minutes to freeze my credit across all three agencies (you must do all three), Equifax, Experian, and TransUnion.
Get a free credit report
You can get a free credit report once per 12 months. It’s a good idea