Equifax

“Free credit scores” are effective bait. Just ask any of the 200,000 consumers who complained to the Federal Trade Commission about one recent online scheme that lured them with “free” access to their credit scores … then snagged them with a common switch: billing $30 a month for credit monitoring services they never ordered.

Revised July 22, 2015.

To freeze or not to freeze? It’s a common question, particularly after reports of yet another breach of payment card data like those at Home Depot, Kmart and Dairy Queen.

AARP and Equifax offer tips to protect your identity.