Scam-Proof 2016 With These 7 Simple Steps

Scam-Proof 2016 With These 7 Simple Steps

Happy New Year! Start 2016 on the right foot, with these simple steps to reduce your risk of scams:

Freeze your credit file. The best way to proactively prevent identity theft (as well as minimize damage after it occurs), a credit freeze restricts access to your credit report. Without being able to review it, most creditors won’t issue loans, credit cards or other credit in your name – helpful when your personal data falls into the wrong hands, whether resulting from a lost or stolen wallet or inevitable data breaches. A freeze can (and should) be unthawed for certain dates or entities when you apply for a job, credit, or shop for insurance or utility service; they’ll check your creditworthiness. And a freeze doesn’t impede your ability to check your credit report at AnnualCreditReport.com or affect credit scores. So …

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