If you have been reading the news recently, you have probably heard about the Equifax data breach reports. To find out if you were affected, you should go to the Equifax website and follow their instructions. It is important that you do so, because over one hundred and forty three million Americans may have been affected.
If you have been affected, you should order a freeze on your credit reports. This will make it impossible for anyone to use your credit reports to open up new loans or things like that. You can get a freeze from the other credit reporting bureaus if you so wish. If you need to use your credit report yourself, you can do so by unfreezing it, using a special personal identification number.
You should also take steps to ensure that such a thing does not happen in the future to you. First, get a free credit report review and make sure that no funny stuff has been going on with your account. Next, make sure to constantly monitor your account. You should check for any unauthorized purchases regardless of how large or how small. Small purchases may mean that someone is testing your card to see if they can use it without setting off any alerts. You should notify your bank immediately if something like that happens. Your bank will be able to block those unauthorized payments.
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