By now you’ve heard about the Equifax breach. Something you may want to do by November 21 is put a security freeze on your account. Until then, they are waiving fees to do this.
A security freeze is supposed to block outsiders from opening an account in your name. This is different from a fraud alert which will only notify you if someone opens an account in your name (even you).
A security freeze has you adding a PIN in order to make any changes. The three major credit monitors are TransUnion, Experian, and Equifax.
Right now you can only put the freeze on Equifax for free. TransUnion and Experian will charge $10 for each. Currently there is legislation pending on making this free. If you are planning to buy a car or house you don’t want to freeze your credit just yet.
Equifax will not be calling you so if you get a call saying it is from them, it is most likely a scam.
If you enroll in their monitoring program, you would waive rights to sue if you are impacted by the breach.