The 100% foolproof way to protect yourself from future Equifax hackings. MUST READ AND UPVOTE!

I decided a long time ago to ditch my credit cards and not seek any more lines of credit. Being out of debt gives you so much more peace of mind and eliminates you as part of the debt problem in the USA.

So FREEZE your credit reports.

How do I place a freeze on my credit reports?

Contact each of the nationwide credit reporting companies:

Equifax — 1-800-349-9960
Experian — 1‑888‑397‑3742
TransUnion — 1-888-909-8872

You'll need to supply your name, address, date of birth, Social Security number and other personal information. Fees vary based on where you live, but commonly range from $5 to $10.

After receiving your freeze request, each credit reporting company will send you a confirmation letter containing a unique PIN (personal identification number) or password. Keep the PIN or password in a safe place. You will need it if you choose to lift the freeze.