Preocupado com violações de dados? Veja como congelar seu crédito agora mesmo –

I went back and forth on freezing my credit for weeks before I actually did it. As a personal finance editor covering identity theft, I knew it would make it harder for cybercriminals to open a new credit account in my name — but it would also add a few extra steps for me to do the same.

When you freeze your credit, you have to manually unfreeze or “thaw” it with each of the three major credit bureaus whenever you want to apply for a new credit card, car loan or mortgage. The process of freezing your credit isn’t so straightforward either. It involves signing up for individual accounts with Equifax, TransUnion and Experian and freezing your credit manually online or by phone or mail.

But there are two benefits that sold me on it. First, freezing your credit is absolutely free. And second, you get peace of mind in knowing you’ve neutralized a major tool in identity thieves’ playbook.

• Proteja seus dados pessoais
• Obtenha tranquilidade
• Neutralize uma ferramenta importante no esquema de ladrões de identidade