“VISA ALERT: Your debit/card has been temporarily disabled. * Please call VISA 24hr reactivation line (309) 277-8033.” The incoming text message was disturbing, especially in light of recent security breaches at eBay, Target and especially JPMorgan Chase. If my debit card had been compromised, I definitely appreciated having a heads up. But something about the […]

It’s the worst feeling in the world: you use your credit card and it’s declined. Not only that, you know you haven’t reached your limit or gone on any shopping sprees, so what gives? These days thieves don’t wear masks and they don’t arrive on horseback totting guns; they do their dirty deeds from the […]

It might be the subject of a juicy suspense film, but having your identity stolen for real is not something to enjoy over popcorn. And since security breaches have become the new normal, the possibility of someone posing as you and ruining your credit is very real. According to the U.S. Department of Justice, approximately […]

Fraud Alerts and Credit Freezes

Both fraud alerts and credit freezes are useful tools for protecting your credit. They both have the same purpose: preventing identity thieves from misusing your credit file. It’s useful to see identity theft as an injury or disease to your credit. If you sprain an ankle, do you apply ice or heat? What if you […]

Credit Freeze

A security freeze, also known as a credit freeze, blocks third-party access to your credit. This “freeze” provides an extra layer of security against identity theft, protecting you, your money, and your credit.  Credit freezes, however, only protect against a small percentage of identity theft attacks; they are certainly not free–unless you already are an […]