Several minutes ago, I received notification that Equifax, one of the three large credit bureaus, was hacked.
The breach affects 143 million people in the United States! Given that the U.S. population is a bit over 300 million, that means you have near even odds of being affected.
See if you were affected here:
Even if you weren’t affected, it’s an important reminder to freeze your credit if you haven’t already.
A credit freeze does not
- Change your credit score
- Prevent you from checking said score
- Keep you from opening a new account (get a temporary freeze lift)
- Prevent a hacker from charging existing accounts
What a freeze does do, however, is prevent someone who may have your personal information from applying for credit cards or a loan/mortgage under your identity.
Freeze your credit by contacting:
Equifax at 1-800-349-9960 or https://www.freeze.equifax.com/
Experian at 1-888-397-3742 or https://www.experian.com/freeze/center.html
TransUnion at 1-888-909-8872 or https://www.transunion.com/freeze