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Ep8: Securing Your Credit Reports and Freezes
Manage episode 376293000 series 3503174
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In this episode, Marc David speaks with credit expert Olivia Chen about best practices for safeguarding your credit reports and identity including:
- Placing credit freezes with Equifax, Experian and TransUnion to restrict new account openings
- Lifting freezes temporarily when applying for new credit using your PIN
- Freezing children’s credit reports until they are old enough to manage credit
- Checking your credit reports annually for signs of fraudulent activity
- Reviewing reports to verify personal info and watch for unauthorized accounts
- Disputing fraudulent charges, closing accounts and reporting identity theft
- Putting freezes and monitoring in place proactively even if not breach impacted
- Making credit protections part of your regular financial security regimen
For full episode recaps and cybersecurity tips, visit bytesizedsecurity.show or subscribe to the podcast. See you next time!
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I do hope you enjoyed this episode of the podcast. Here's some helpful resources including any sites that were mentioned in this episode.
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Sites Mentioned in this Episode
- IdentityTheft.gov - Recovery Steps - Hopefully you won't need this resource but if you do or you know somebody who needs help with Identity Theft
- Annual Credit Report.com - Home Page - The free way to request your credit report, annually, from the big agencies
- Credit Freeze | Freeze My Credit | TransUnion
- Security Freeze | Freeze or Unfreeze Your Credit | Equifax
- How to Freeze Your Credit For Free - Experian
- Free credit freezes are here | Consumer Financial Protection Bureau
- What To Know About Credit Freezes and Fraud Alerts | Consumer Advice
- How To Freeze Your Credit With Experian, Equifax and TransUnion - This article from Clark Howard provides excellent guidance on how to freeze and unfreeze your credit with the three major credit bureaus to prevent identity theft.
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