The recent Heartbleed security breach has heightened concern of identity theft. Below we highlight a few resources everyone should take into consideration so you can be proactive in protecting your identity.
Also know that The Federal Trade Commission has a dedicated website with a lot of great information. http://www.consumer.ftc.gov/features/feature-0014-identity-theft
1. Monitor your Credit Report
Your credit report contains information detailing your credit history. You should request a free credit report from the three major credit bureaus annually. You can access reports from Equifax, Experian and TransUnion by simply going to www.annualcreditreport.com. Each agency may have slightly different information reported to it. Sometimes people confuse their credit report with their credit score which is the actual numerical value assigned to what is found in your credit reports. Here is what to look for in your report:
2. Identity Theft Protection Service
There are many identity theft protection services available. Some of the benefits include:
One of the most popular services is LifeLock (www.lifelock.com) which is approximately $10 a month and up depending on the type of service you use. We recommend it for those who have experienced identity theft, making them more vulnerable to future occurrences.
3. Password Management Software
Password management software securely stores your login information for all the websites you use. Some have additional features such as: