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A TOOL 10 ADD 10 YOUR ID THEFT ARSENAL

Kiplinger's Personal Finance

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February 2025

Credit-monitoring services can help you detect fraud quickly.

- ELLA VINCENT

A TOOL 10 ADD 10 YOUR ID THEFT ARSENAL

IF you've been the victim of a data breach and there's a good chance you have you've probably been offered free monitoring of your credit reports.

Credit-monitoring services scan your files from the three credit-reporting companies-Equifax, Experian and TransUnion notify you of activity that could signal you're the victim of fraud, such as a new account opened in your name. If you act quickly, you may be able to close the account before the fraudster has a chance to use it.

Free options.

It's not unusual for businesses that have suffered a data breach to provide free credit monitoring to those whose personal information was exposed. If you're offered a free service, it's usually a good idea to accept it.

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