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3 ways to protect yourself from Identity Theft

Two Ways to Protect Yourself from Identity Theft Many people are concerned about identity theft in light of the Equifax data breach that impacted half the US population last year. Here are two ideas you may want to consider in order to protect your credit and identity: 1 – You Can Place a “Credit Freeze” on Your Credit File When a credit thief tries to open a new loan or account in your name, the creditor that they apply with typically needs to pull a new credit report. A credit freeze allows you to restrict access to your credit report so that new creditors won’t be able to see your credit file. This makes it more difficult for credit thieves to open new accounts in your name. To put a credit freeze on your credit file, you’ll need to supply some personal information to the credit bureaus and pay a fee of $5 - $10 per credit bureau. Go to, (https://www.consumer.ftc.gov/articles...) for more information about credit freezes from the FTC’s website. To place a credit freeze on your Equifax report (800-525-6285). https://www.equifax.com/personal/cred... To place a credit freeze on your Experian report (888-397-3742). https://www.experian.com/freeze/cente... To place a credit freeze on your Transunion report (800-680-7289). https://www.transunion.com/credit-freeze 2 – You Can Place a “Fraud Alert” on Your Credit File You can call one of the numbers listed above for the three credit bureaus, and ask to put a fraud alert on your credit file. If you have a fraud alert on your credit file, creditors are required to go through extra steps to verify your identity before they issue credit or open a new account in your name. A fraud alert stays on your credit file for 90 days (it can be renewed), and when you notify one credit bureau, that bureau will notify the two others. It’s free to sign up for a fraud alert. For more information about fraud alerts from the FTC’s website https://www.consumer.ftc.gov/articles... . If needed I can provide you with a few Knowledgeable credit repair specialists who have helped my past clients successfully. Email or call me today. www.kristinloans.com Source CMPS Institute Kristin Cooper 916-390-4689 Certified Mortgage Planner NMLS: 448315 ©2021 Finance of America Mortgage LLC is licensed nationwide | Equal Housing Opportunity | NMLS ID #1071 (www.nmlsconsumeraccess.org) | 300 Welsh Road, Building 5, Horsham, PA 19044 | (800) 355-5626 | AZ Mortgage Banker License #0910184 | Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act | Georgia Residential Mortgage Licensee #15499 | Kansas Licensed Mortgage Company | Licensed by the N.J. Department of Banking and Insurance | Licensed Mortgage Banker -- NYS Banking Department | Rhode Island Licensed Lender | Massachusetts Lender/Broker License MC1071.