A few weeks ago Equifax, one of the three credit monitoring bureaus in the United States, was breached by hackers. The hackers got access to personal information such as Social Security numbers, addresses, birth dates and much more.
Now as you can imagine, it’s a scary thing to think there is someone out there who can get credit in your name without you knowing about it. And while we can all sit here and point the finger at all the things Equifax has done wrong, at the end of the day that does no good.
The most important thing you can do right now is be proactive and do what you can to protect yourself.
One of the quickest and easiest ways to safeguard yourself is to place a freeze on your credit.
What is a credit freeze you ask? Well a credit freeze is exactly what it sounds like. Your credit will literally be “frozen” until you “unfreeze” it.
When there is a freeze on your credit no one will be able to use your credit. Anytime a creditor tries to run your credit it will come back blocked. This means scammers will be unable to get credit in your name.
The only time your credit can be used is if you yourself call in and “unfreeze” your account. This can only be done by you and you must have the secure PIN that was set up when you initially froze your credit.
About Freedom Debt Relief
When it comes to debt negotiation, Freedom Debt Relief (FDR), is at the head of the class. They are taken seriously by creditors and have helped consumers just like you get out of debt within a matter of months.
They are known as one of the big players in the industry and will use their knowledge, experience and reputation to negotiate with your creditors on your behalf. For more info about us: https://twitter.com/freedomfamily?lang=en click here.
To learn more visit them online at www.FreedomDebtRelief.com.
Adjusting to a new school term after a long holiday can be challenging. You have to start preparing for the new term in advance. For starters, always ensure you have a list of all you need including the schedule from the school. Most schools offer parents a list of the essential required when the schools reopen.
At times, the lists are usually similar to those provided in the previous years. Budgeting in advance for the academic term gives you peace of mind. Be sure to list goals in your budget as they guide your spending and make it more meaningful. Desist from shopping in advance; instead, take advantage of the back to school offers that are premiered just when schools are about to open.
By doing so, you will save a lot. Before any purchase, outline the things that are a priority such as the classroom tools, meals, uniforms amongst others. Once you take care of the supplies, create a schedule that will guide you through the term. As a parent, make the most out of the orientations to understand the school and interact with the teachers. Before the school reopens, ensure your kids have cleared homework and get as much sleep as possible.
Just like in a new school term, budgeting and financial planning is an important aspect of life. Most people create short-term and long-term goals to guide their spending and to improve their lives. The Freedom Debt Relief organization helps you plan these goals by ensuring that you have enough savings and that your income is not tied up in debts. With programs running for between 24 to 48 months, the Freedom Debt Relief company offers a personalized plan to help you cut down your spending.
You will work with a certified counselor and a detailed plan that allows you to monitor your progress. The company also works directly with creditors and can negotiate the payments and debt. After the 30th, 60th and 90th day you will receive regular updates from Freedom Debt Relief. The journey to a debt free life requires commitment, hard work, and persistence.
Visit Freedom Debt Relief’s Facebook Page: www.facebook.com/FreedomDebtRelief