Thu Nov 9th, 2017
Protecting your credit and identity is a major concern when it comes to keeping your credit on track. The hysteria in the news has been stoked by much publicized data breaches such as the recent Equifax data compromise. New breaches seem to be all too common and are becoming a regular part of today’s news backdrops. However, there are ways to be proactive in protecting your credit and identity.
Guard your online information. Many of us do most of our shopping and banking on the web. With all the account numbers and passwords, it’s easy for someone to swipe your information and go on a spree. Here are several examples to help combat the fraud:
Monitor your credit report. By law, you are entitled to a free credit report every year from each of the three separate credit bureaus: Equifax, Experian and TransUnion. Stagger the request, every four months, changing bureaus each time. You can order the reports directly from the bureaus or from annualcreditreport.com. After receiving the credit report, scan for abnormal activity such as accounts or credit cards you did not open or credit inquiries you have not authorized. Also, use the annualcreditreport.com website, there are many other websites that will try to charge you for your report and try to sell you other needless services.
There are numerous products and procedures you can inquire about to help protect your credit and identity. Be mindful while researching each of these products and/or procedures as they do have pros and cons. Anthem, the Tribe’s health care provider, provides a new credit protection offer. Tribal employees and other Anthem members have access to identity theft and fraud protection through AllClear ID. To learn more about these services or to enroll, visit anthemfacts.com and click on the AllClear ID link.