To protect against ID theft “FREEZE”your credit bureau file.
The massive Medicaid data breech is affecting many people who never applied for Medicaid and had no idea their data might be included in the data theft.
“A security freeze means that your credit reporting file cannot be shared with potential creditors. A security freeze can help prevent new account identity theft. Most businesses will not open credit accounts without first checking a consumer’s credit history. If your credit files are frozen, even someone who has your name and Social Security number probably would not be able to obtain credit in your name.”
How do I place a security freeze?
To place a freeze, you must write to each of the three consumer reporting agencies. CRAs charge a “reasonable” fee, unless the fee is waived because you are a victim of identity theft. To prove you are a victim and avoid fees, you must send a copy of a police report to each consumer reporting agency to request a security freeze.
A freeze provides more protection than a “security alert” on your credit report.
For details and a sample freeze letter:
Another useful resource: ID theft resource center (Utah link)
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