State Attorney General advises Iowans to take action after Equifax data breach

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Many have made a decision to take precautions and put their credit on ice: a credit freeze.

Morley added that Canadians who live and work south of the border would have their credit history pulled in Canada in various situations, including when applying for a credit card, or even by a potential employer or landlord.

New York State Attorney General Eric Schneiderman has issued a warning after the massive Equifax data breach that exposed 143 million Americans' personal information.

"A security freeze is the most effective measure against "new account" identity theft, because it stops thieves from using the consumer's stolen information", says Chi Chi Wu, a staff attorney at the National Consumer Law Center. "A credit freeze is".

Can anyone see my credit report if it is frozen?

This will prevent anyone from opening additional new accounts in your name. The FICO models are the most popular means of calculating credit scores, but some lenders prefer other scores, such as VantageScore or NextGen. Hackers also stole credit card numbers for about 209,000 consumers and dispute documents with personal identifying information for about 182,000 consumers.

If you're a resident of certain states - like ME or SC - it's free.

While some wondered whether the credit bureaus were intentionally throwing up roadblocks in order to avoid losing money by being able to run credit reports and other analytics for corporate clients at will. You will need it if you choose to lift the freeze.

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Equifax did not respond to specific questions about investors' allegations.

The Equifax Data Breach is a topic striking concern for many nowadays.

How is it different from fraud alerts or other credit monitoring?

You'll have to pay to freeze your credit with the other two agencies, but experts say it's worth it. If you freeze it, it isn't as valuable. And, most interestingly, instead of randomly generated PINs, early PIN codes appeared to be simply the date and time you applied for a PIN.

"Reports of a significant data loss at USA -based Equifax and the potential impact on some United Kingdom citizens gives us cause for concern", ICO Deputy Commissioner James Dipple-Johnstone said in a Friday statement. "The problem is that it is incomplete protection and it only lasts for a year".

Can I still get a credit card or loan?

Your ability to access credit will play a very important part in your financial stability throughout your entire life.

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You'll need to write to each of the three credit rating agencies to request that they remove the incorrect information.

It can also put a crimp in those spur-of-the-moment store credit offers where you get a percentage off your purchase for signing up on the spot.

We are stretching your dollar with steps you should be taking to ensure your information is save.

How do I place a freeze on my credit reports?

John Felton, CEO of the Southern Chatuauqua Federal Credit Union, said his staff is trained to give advice to members when a breach occurs. Retail is the nation's largest private sector employer, supporting one in four U.S.jobs - 42 million working Americans.

"In N.C., it is free to initiate a security freeze if you do it online", said Stein.

You will be asked to provide information.

In addition to being subject to your state laws, the cost may also vary by agency. They charge another fee for the suspension of the freeze.

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