credit freeze

Man stealing woman's personal information
Identity theft is hard, but preventing it doesn’t have to be. Although some threats like data breaches are beyond your control, here are eight easy, no-cost ways to help scam-proof yourself in the New Year.
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No matter where you live, a credit freeze is a great way for you to prevent identity theft — particularly the opening of new credit cards, loans and service accounts in your name. But depending on where you live, a freeze isn’t easy to get for your offspring.
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Despite stability in the number of victims and losses last year, the ways that credit card fraud occurs have changed. With the switch to chip-enabled EMV cards in 2015, identity thieves are moving from cloning counterfeits of that existing plastic and, instead, are focusing on opening new fraudulent accounts with stolen Social Security numbers and other sensitive data.
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Pledging to drop pounds might be the most popular New Year’s resolution, but consider adding these 10 simple steps to reduce your risk of scams in 2015 and beyond:
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