Over the last few weeks my wife and I have been under attack by ID thieves trying to open credit cards in our names. This has happened on and off for several years, we believe due to a breach in the Texas Teacher’s Retirement System many years ago. This new round of attacks started right after the free Equifax credit monitoring period expired.
Fortunately our credit reports are frozen so no damage can be done. I cannot emphasize enough how important it is that you freeze your credit reports if you are not actively seeking credit. It’s easy, it’s free, and you can unfreeze them anytime you need to have a lender access them. It does not hurt your credit report. Here are the links and phone numbers to the major bureaus. Protect yourself today!
Equifax: Freeze Credit Report
https://www.equifax.com/personal/credit-report-services/ 1-800-685-1111 (NY residents 1-800-349-9960)
Experian: Freeze Credit Report
TransUnion: Freeze Credit Report