From the experts…
- Use credit monitoring service such as LifeLock: They won’t prevent identity theft put can help you recover.
- Place a freeze on your credit files: Security freeze laws vary by state, but they usually cost between $0 and $15 to instate. To adequately protect yourself, you must place a security freeze on your credit file with each of the three main credit bureaus (TransUnion, Equifax, and Experian) as well as Innovis, a credit reporting agency.
- Periodically order a copy of your credit report: A security freeze doesn’t prevent everyone from viewing your credit file. For that reason, it’s a good idea to periodically order a copy of your credit report so that you can review it for unauthorized charges.
- Create a security alert or security freeze for your consumer file: Services such as ChexSystems provides a bank with a consumer report whenever someone attempts to create a new savings or checking account in your name.
- Opt out of new credit report and insurance offers: Some attackers try to intercept new credit or insurance offers in the mail so that they can open new lines of credit in your name. Fortunately, you can opt out of these free offers by visiting OptOutPrescreen.com.