Cheaper Than Credit Monitoring

Posted on December 28, 2015
According to The Bureau of Justice Statistics, identity theft is defined as:
  • unauthorized use or attempted use of an existing account
  • unauthorized use or attempted use of personal information to open a new account
  • misuse of personal information for a fraudulent purpose

The National Criminal Justice System reported that about 7% of Americans over age 16 were victims of identity theft in 2014.

Although I’m not very paranoid about identity theft, it still doesn’t hurt to take precautions.

There are lots of credit monitoring services that range from $5-20/month. I have never used any of these services because I personally have always thought they were bogus.

But I found a solution that is even more effective at preventing any possible fraud, rather than just detect it faster, like the subscription services do.

It’s very simple and only took me about 15 minutes to set up and cost me a total of $10. I simply froze my credit with all 3 credit bureaus. Now, in order to have my credit checked to open any new accounts I have to give a PIN they provided to me.

Here are the links to freeze your credit (fees are based on state, so they may differ):

 

Enjoy the peace of mind knowing your credit is safe forever now!

 

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