Best Steps to Protect Your Credit

Between May and July, hackers accessed private financial data housed on Equifax's servers on 143 million people. It appears as thought he data was housed in dispute complaints that consumers had filed over the years. The stolen data includes names, Social Security numbers, birth dates, addresses, driver's license numbers, and 200,000 credit card numbers. 

Equifax is one of the big 3 credit agencies that houses and sells consumer credit and finance data at a huge profit. When credit card companies get an application from a consumer, this is one of the sources they go to to determine credit worthiness. They know everything about you. 

So what am I doing to fix it? Equifax's own tool has been documented by CNET and others as unreliable, so just assume your data is out there and act to protect yourself. Ounce of prevention versus a pound of cure and all that.

Step 1: Survey the existing landscape

Sign up with Credit Karma and see what your report looks like now because the bad guys have had data since May. www.CreditKarma.com.  This is free and trusted by experts. If there are accounts listed there, contact that company's fraud department immediately.

Step 2: Smart
You can set a fraud alert that will warn you if an account is opened. This must be renewed every 90 days.

Step 3: This is pretty extreme and you will have to unfreeze it to apply for accounts, but it is the gold standard:

You can freeze your credit by calling one of these numbers. This will prevent any new accounts from being opened up.
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