06 Jun Protect yourself from Credit Fraud
Challenge:
How can I Protect myself from Credit Fraud?
Solution:
Freeze your Credit Identity at Equifax, Experian, and TransUnion credit bureaus today!
Steps to take:
Equifax (https://www.equifax.com)
1. Click “Log In” and then “Choose My Plan”.
2. Under “FREE” click “Get Started”.
3. Enter your information and check the box next to “I’m not a robot”, then click “Continue”.
4. Enter your Email address and Password and click “Sign into MyEquifax”.
5. Enter and confirm your Email and Password, then click “I accept”.
6. Click “Yes, Send Me a Text”, and enter the code sent to your phone number, then click “Continue”.
7. Click “View My Product”, next click “Place a freeze”, and click “Place a freeze” Your credit identity will now be frozen!
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Experian (https://www.experian.com)
1. Click “Let’s get started”.
2. Enter your information and click “Create Your Account”.
3. Enter the last 4 digits of your Social Security number, Birth Date, and Phone Number, then click “Continue”.
4. Confirm your identity by answering the multiple choice questions and click “Continue”.
5. Choose a security question and answer it, create a 4-digit PIN, and answer the final question, then click “Submit and Continue”.
6. Click “Credit” at the top, then click “Experian CreditLock”, and then click “Security Freeze”.
7. Click “Unfrozen”, and the slider will move to the right and say “Frozen”. Your credit identity will now be frozen!
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TransUnion (https://www.transunion.com)
1. Click “Services”, then “Freeze Credit Report”, and then click “Add a Freeze”.
2. Enter your information and click “Submit & Continue to Step 2”.
3. Enter this information and click “I Accept & Continue to Step 3”.
4. Select Text Message or Phone Call and click “Agree and Send Passcode”.
5. Enter the Security Passcode and click “Verify My Identity”, then click “Continue”.
6. Click “View my freeze status” and then click “Add Freeze”.
7. Create and confirm Pl N and click “Continue”. Your credit identity will now be frozen!
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Key Things to Note:
- We strongly recommend enabling MFA on all accounts that support it, including, but not limited to credit websites, email accounts, financial institutions, investment platforms, cloud-based storage and file sharing, any system that contains sensitive personal, financial, or business data.
- When applying for credit, you are able to unfreeze your credit for a specific period of time in order for companies to view your credit history. You must remember the codes to freeze and unfreeze.
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Diversification does not ensure a gain or prevent against loss in a declining market
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