If you were looking for another nudge to pull your credit report and help protect yourself against fraud and identity theft, we’ve got just the thing. There’s been LOTS of talk in recent news about data breaches, cyber security, social security numbers stolen, identity theft, fraud, scams, credit monitoring services, credit reports, credit scores, etc. Here’s a Readers Digest version:
PRO TIP: You and your spouse (if applicable) are allowed one free credit report per year from each of the three credit reporting bureaus. So, to keep tabs on our credit all year long, I pull one report every two months. I set reminders in my cell phone that alert me to remember. Example:
One more thing: the data breach is a frenzy for scammers who will call, text, email, and create fake websites pretending to be credit monitoring companies who can help “protect you” for a fee. Just remember, a legit site WILL NOT ASK for a credit card number or your full social security number. (FYI-Equifax will ask you for the last 6 digits of your social and your last name to tell you whether or not your information was compromised). It is free to sign up for the free credit monitoring available to victims of these data breaches. And the government WILL NEVER call you to ask you to confirm your SSN. If you get contacted, hang up and report it to the FTC here: www.ftc.gov/complaint
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