Q: Does a credit freeze im­pact or pro­tect my bank ac­counts? A:

Dayton Daily News - - DEAL SPOTTER -

No. Well, a crim­i­nal would not be able to walk into a bank and open a new ac­count in your name.

How­ever, since your ex­ist­ing ac­counts re­main open, a credit freeze does not pre­vent ac­count takeover fraud — which is when crim­i­nals take over your bank ac­count and steal your money. first:

Sign up for a free ac­count with cred­itkarma.com to get free credit mon­i­tor­ing and no­ti­fi­ca­tions of sus­pi­cious ac­tiv­ity.

Freeze your credit at all three main credit bu­reaus.

Next, do th­ese four things to pro­tect your info, money & iden­tity:

Mon­i­tor your fi­nan­cial ac­counts Whether or not your info was ex­posed by Equifax, you need to check your ac­counts on a daily ba­sis in or­der to spot any sus­pi­cious ac­tiv­ity you don’t rec­og­nize. The sooner you spot it, the sooner you can re­port it and get every­thing straight­ened out. Plus, if your info was ex­posed by Equifax, crim­i­nals can still carry out fraud on your ex­ist­ing ac­counts.

Don’t click on any of­fi­cial­look­ing emails or texts about the breach, your info, your pro­tec­tion etc. — they are prob­a­bly from scam­mers. Equifax will send of­fi­cial no­ti­fi­ca­tions by mail. Change your pass­words:

use the same pass­word for mul­ti­ple ac­counts that con­tain your per­sonal and/or sen­si­tive in­for­ma­tion. Make sure to use a unique pass­word — ideally a long phrase that only you would know — for each of your on­line ac­counts. This goes for your email ac­counts and any other on­line ac­count that con­tains your per­sonal info, like pay­ment info, ad­dress etc.

Turn on two-fac­tor au­then­ti­ca­tion for ev­ery fi­nan­cial ac­count, as well as any on­line ac­count that con­tains your per­sonal and sen­si­tive in­for­ma­tion.

Q: Is Life Lock just as good as a credit freeze?

A:

No! In fact, you can get free credit mon­i­tor­ing at cred­itkarma.com.

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