Tips to Protect Your Credit after a Security Breach

Breaches of personally identifiable information and credit data are making the news on what seems to be a regular basis. The magnitude of the security hack at Equifax, one of the big 3 credit agencies brought a new level of concern among Americans for securing their credit information. Alan Akina breaks down the steps you should take to protect yourself in light of that recent credit breach in this brief video.



You can also read what Alan has to say, below.

Alan Akina: Good morning everyone. I have a very important question for you. Do you know if your personal financial information was compromised?

Now, with the recent announcement of the mega security breach by one of the big three credit bureaus, Equifax, this security breach could go down as one of the worst of all time hacks. And I’ve been getting a lot of questions from people about what they should know and what they should do?

Here are two things that you need to do today. First, go to and click on the tab check potential impact. You’ll be asked to enter your last name and last six digits of social security number. Equifax will give you a determination at that point.

Now, if your personal account has been compromised or if it’s not, I still suggest that you do the following, a credit freeze. I strongly suggest that you put a credit freeze on your account at all three of the credit bureaus.

Now, what is a credit freeze? A credit freeze allows you to lock up your credit report and have you become the only one that can access your credit via a pin number that only you know. Now, what this does is it adds another layer of protection if someone tries to open up a new credit card, a loan or a mortgage in your name.

Even if they have your Social Security Number and your personal information, they will still need the pin to obtain credit. A freeze will have no impact on your existing credit accounts and you can continue to use them the same way you have been.

To setup a credit freeze, I suggest that you go to Equifax, TransUnion and Experian and click on the credit freeze tab.  I did these for each of my three accounts, Equifax was free, but Experian and TransUnion charge around $5.

I hope this helps you to sleep better at night.

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