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Jason Moser
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Fiction Author

35 followers
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How to Freeze Your Credit to Prevent People from Taking Out a Loan Under Your Name

If you haven’t heard, over 143 million people had their personal information stolen by hackers in the past two months from one of the largest credit monitoring and reporting agencies out there. Equifax announced today that it had a huge data breach that compromised the personal data including birthday, SSN, and addresses of 143 million US Consumers as well as hundreds of thousands of other various bits of information such as disputes and credit card numbers.

Protecting your identity is very important, and whenever there has been a breach of information, you may want to take some aggressive steps to ensure your identity and your credit is safe.

The first thing you will want to do is sign up for the free credit monitoring that is usually offered during the time of a breach. In the most recent loss of data, Equifax is offering free credit monitoring to all US consumers for 1 year. They will be contacting consumers directly if your information was stolen and will release how you can get free credit monitoring very soon.

The best thing you can do right now to prevent someone from opening a new loan based on your information is to enact a credit freeze (or security freeze). This is how you can have ultimate control over the access of your credit. What this does is places a "freeze on your credit report" so lenders can't access it when someone applies for a loan with your credit.

To place a credit freeze at Transunion, visit:

https://www.transunion.com/credit-freeze/place-credit-freeze

To place a credit freeze at Equifax, visit:

https://www.freeze.equifax.com/Fre…/…/SFF_PersonalIDInfo.jsp

To place a credit freeze at Experian, visit:

http://www.experian.com/freeze

Research the information regarding a security freeze or credit report freeze. Removing the lock is simple and can be done if you intend on applying for a loan or other form of credit. You can "lift" the freeze for a specified amount of time, then lock it back down once the lender accesses your credit report.

This is the best way of protecting yourself from having your credit or identity stolen, and with this latest complacency made by the largest credit reporting agency out there, you really need to take action and prevent any further damage to your security.
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Trumps Executive Order: Protecting the Nation
Here is the actual text from Trumps Executive Order: Protecting the Nation From Foreign Terrorist Entry Into the United States . I'm so sick of the misinterpretation of President Trump's executive order on Immigration. I've heard several news agencies namin...
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So, Who's Looking out for Federal Employees?
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Who's Looking Out for Federal Employees
" The President’s FY2017 budget request seeks $3,865,000 in appropriations for expenditures for former Presidents, an increase of $588,000 (17.9%) from the FY2016 appropriation level. " I'm not saying this because he is trying to squeeze one in before he le...
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With the holidays coming, there will be a lot of cooking. And with cooking there must be recipes. I've added my base page to the site, but need some good recipes to add. Visit the page and send me your favorite Thanksgiving (or other holiday dinner) recipes so everyone can share them on the site. 
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Having trouble finding something to cook for dinner tonight? Here are some stove top recipe ideas to help. Don't let your family go hungry tonight!
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Cleaning your grill is very important for your health and the life of your grill. You can increase the life span of your barbecue grill by a few years by following just a few simple steps every time you cook out on the grill.
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What's for dinner tonight? Here are some great recipes to help kick off your meal right! We have recipes for the grill, stovetop, oven, crockpot, and by ingredient. We are also asking for recipe submissions.
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Just like mom made, here's a recipe for potato salad that will wow everyone. Very easy to make and very tasty. This is the traditional version of the recipe, just to keep it simple. Enjoy.
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