Are you going to freeze your credit?

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I have no idea what I could do about it. I am busting butt to get out of debt and am not planning to need credit in the future. Credit score is something I am fortunate enough to not give a rip about. I know it impacts my insurance rates, but since I pay my bills on time - don't worry about.
Identity theft is the biggest concern. Something we did not have to worry about back in the "old" days before one's SS# was on everything.
 
Here's something I learned at a seminar earlier this year which never occurred to me before.
You may think this breach doesn't affect you, but the thing to be careful about is using the same password/email address on multiple sites? What the hackers do is harvest lots of email addresses/passwords from one hacked site then use those combinations to try and gain access to lots of other sites.
So if you use the same email/password for say, equ ifax as pa ypal they could get your password from 1 and gain access to 2.
There's a website called "Have I Been Pwned" into which you can put your email address and it will tell you all the potential site hacks that that address could have been stolen from.
Don't use the same password for multiple sites!!
 
Highlands John said:
Here's something I learned at a seminar earlier this year which never occurred to me before.
You may think this breach doesn't affect you, but the thing to be careful about is using the same password/email address on multiple sites? What the hackers do is harvest lots of email addresses/passwords from one hacked site then use those combinations to try and gain access to lots of other sites.
So if you use the same email/password for say, equ ifax as pa ypal they could get your password from 1 and gain access to 2.
There's a website called "Have I Been Pwned" into which you can put your email address and it will tell you all the potential site hacks that that address could have been stolen from.
Don't use the same password for multiple sites!!.
Click to expand...
My primary email has been pwnded 6 times and 1 paste. But of course, I have different password for almost everything and the most often hit all have 2 factor authentication with authy.
 
Froze account on 4 different credit reporting sites. Am adding alerts. Make sure you have gotten your social security account set up online so the hackers can't do that in your name. They could then draw your social security payments and you'd have to prove you're the real seashanty.
Also, file your taxes as soon as possible next year as they have all that data. And, you'd have to again fight to prove you're the real person and you never filed a return for $12,841.
 
Something I didn't think of, but might also be a good idea is to create a separate email address for secure type log ins and never use that one to buy stuff or enter contests or sign up on mailing lists.
Or, if given the opportunity, don't use your email for sign ups for secure sites like banks and SS.
Use a completely different user name for every account.
 

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