Sometimes my husband says that I am trying to micro-manage him. My response is, you have to be a micro-manager in order to micro-manage. Truth be told, the biggest complaint of my employees and colleagues is that I don’t give ENOUGH direction. Monitoring the actions of a person or entity, in fact, goes against my nature.

So, what does my marriage dynamic have to do with today’s Equifax breach? The best advice I can tell ALL those who value their credit report is to monitor and monitor often.

One colleague and cybersecurity expert @danwaddellzen suggested that a credit freeze might be in order. What does that entail? FTC defines a credit freeze as… “Also known as a security freeze, this tool lets you restrict access to your credit report, which in turn makes it more difficult for identity thieves to open new accounts in your name…”

Since I am NOT the micro-manager that my husband accuses me of being, I will prove it (hah!) by deferring to the advice that he gave his sons this afternoon:

  1. Follow the instructions on the web page (listed below) regarding the incident
  2. Set up TrustedID monitoring (Equifax)
  3. Go to annualcreditreport.com, and check for any accounts or charges you don’t recognize. You can order a free report from each of the three credit bureaus once a year via this web site.
  4. Also consider setting up a credit block service at each credit reporting agency (e.g., Equifax, Transunion, Experian).  The ‘block’ may cost $10-$15 ea., but this is one of the worst data breaches in history because it contains both SSN + credit card numbers + personal info (DOB, address, etc.).

For more advice on what to do, go to: https://www.equifaxsecurity2017.com/consumer-notice/

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