Experts agree that a SECURITY CREDIT FREEZE is the most effective way to protect yourself from criminals who steal and use your identity to open accounts for new credit cards, new mortgages, new car loans and other new lines of credit.
When these fraudulently-opened new credit accounts are added to your credit history maintained by Experian, Equifax and TransUnion, you pay the price: lowered credit score, increased interest rates, increased insurance rates, new credit card denials, new loan denials (car loans, mortgages, new credit lines) and even rejection of new job applications.
From Security Expert Brian Krebs:
See – How I Learned to Stop Worrying and Embrace the Security Credit Freeze (6/8/2015); Report: Everyone Should Get a Security Freeze (11/8/2015); OPM Data Breach: Credit Monitoring vs. Freeze (12/2/2015)
From U.S. Public Interest Research Groups:
U.S. PIRG is a federation of independent, state-based, citizen-funded organizations that advocate for the public interest. See – New Report: Consumers Should Get Security Credit Freezes Before Next Data Breach (10/29/2015); Why You Should Get Security Freezes Before Your Information is Stolen (10/2/2015); PIRG Security Freeze and Identity Theft Prevention Tips.