The recent data breach at Equifax affects 143 Million Consumers and probably you. Unfortunately, credit breaches occur with some frequency these days. Breaches can be big or small and the type of data exposed can vary. However, this one is a big one — The National Consumer Law Center estimates almost half the population and three-quarters of consumers with credit reports are affected.
The breach includes Social Security numbers, dates of birth, and even in some cases, driver’s license numbers. This information could be used by criminals to apply for credit or even file fraudulent tax returns.
If you have experienced a breach or a possible breach, experts say you may want to consider a credit freeze. To do this, you will need to call each of the three credit bureaus and provide identifying information. This can also be done online. There is a cost that varies by state ($10 for each if you live in Texas).