In today's digital world, credit monitoring isn't optional—it's essential. Identity theft affects millions of Americans each year, and catching it early can save you thousands in losses and years of headaches.
What is Credit Monitoring?
Credit monitoring services track your credit reports for changes like new accounts, inquiries, address changes, and public records. When something changes, you get an alert so you can verify it's legitimate.
Signs of Identity Theft
- Accounts you didn't open appearing on your credit report
- Hard inquiries from lenders you didn't contact
- Missing mail or being denied credit unexpectedly
- Collection calls for debts you don't recognize
- Unusual charges on your existing accounts
How to Protect Yourself
1. Check your credit reports regularly (at least quarterly)
2. Use strong, unique passwords for all financial accounts
3. Enable two-factor authentication wherever possible
4. Never share your SSN unless absolutely necessary
5. Shred documents with sensitive information
What to Do If You're a Victim
If you discover fraudulent accounts, contact the three credit bureaus immediately to place a fraud alert or credit freeze. File a report with the FTC at IdentityTheft.gov and dispute all fraudulent items with OriumAI to get them removed quickly.
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