Your Free Equifax Credit Lock May Have Expired, So Here's What to Do Next
So remember that gigantic Equifax data breach in 2017?????And how consumer credit reporting agencies were trying to get everyone to lock or freeze their credit reports to stop the problem from snowballing?????Well, the free TrustedID Premier subscription Equifax offered as part of its mea culpa ended on January 31st…????Meaning those Equifax credit reports are no longer locked.
????Equifax told NBC News BETTER that they did this to help users, so they wouldn’t have to go through the rigamarole of authentication and unlocking the credit report later on… when trying to apply for credit.????OK, so you can’t just sit around like a sitting duck, right, Britney???????But if you’re not sure what that “something” is, Equinox has partnered with Experian to give TrustedID Premier subscribers another free year of credit monitoring.????There are other options, too: Lifehacker suggests starting by freezing your credit at not just Equifax, but Experian AND TransUnion too.????You could also put a lock on your credit — which is easier to turn off online than a freeze — and Equifax and TransUnion offer locks for free.????But that doesn’t mean you should stop pulling your credit report either.????Because identity theft isn’t something you want to take a chance with.