By now, I’m sure you have read about the 100 million people that were recently affected by the hacking of the capital one credit card database. Most of what was stolen were email addresses and income information. However, about 14% of those affected also had their Social Security numbers compromised.
If you hold a capital one credit card, of which I hold three, I would recommend putting either a fraud alert or a credit freeze on your credit report. A fraud alert is not as restrictive as a credit freeze, and if you use your credit a lot, as I do, you may want to consider the this option. However, if you don’t use credit much, perhaps the credit freeze would be more appropriate.
If you want to do a credit freeze you will need to visit all three of the major credit report companies individually, Equifax, TransUnion, and Experian. If you want to request a fraud alert, you only have to notify one of these companies and they will pass the information on to the other two reporting agencies.
You can start the process for each company by clicking the links below: