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Beth A. Botti, CFP®, ChFC, CLU, CDFA™
Financial Consultant
California Insurance License #0G24537
612 Wheelers Farms Road, Milford, CT 06460
Phone: 203-877-6556 Ext. 169
Fax: 203-301-0736
Email: beth.botti@equitable.com
July/August 2018
Alert, Freeze or Lock
With identity theft becoming more common in the wake of high-profile website hacks, it is important to take steps that safeguard your online information. Here are some ways:
Fraud Alert
One way to put a stop to this type of cybercrime is to ask the three major credit reporting agencies — Equifax, Experian and TransUnion — to place a free alert whenever a request for new credit occurs. A fraud alert requires companies to contact you to verify that you want new credit before they approve it.To get this alert, which initially lasts for 90 days and can be renewed multiple times, contact one of the three credit agencies, which then must notify the other two. If you have experienced credit theft, your fraud alert can last up to seven years.
Credit Freeze
While a fraud alert gives you access to your credit, a credit freeze will do as its name suggests: prevent anyone, including you, from opening a new account. You’ll need to ask all three reporting agencies for the freeze, which generally lasts until you lift it. Identity theft victims receive this service for free, but each reporting agency can charge $5 or $10 each time you freeze and unfreeze your credit.Credit Lock
A credit lock is the most extreme and expensive measure you can take. Good for people who don’t plan to open new credit in the near future or who experienced identity theft, a credit lock will generally cost you a monthly fee charged by each agency. Your lock ends when your agreement ends, when you unlock it using the agency’s procedures or when you stop paying the fees.GE-133484 (6/18) (Exp, 6/20)
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Duly registered and licensed financial professionals offer securities through Equitable Advisors, LLC (NY, NY 212-314-4600), member FINRA,SIPC (Equitable Financial Advisors in MI & TN), offer investment advisory products and services through Equitable Advisors, LLC, an SEC-registered investment advisor, and offer annuity and insurance products through Equitable Network, LLC (Equitable Network Insurance Agency of Utah, LLC in UT; Equitable Network of Puerto Rico, Inc.). Equal Opportunity Employer - M/F/D/V. Equitable Advisors and its associates and affiliates do not provide tax, accounting, or legal advice or services. Representatives may transact business, which includes offering products and services and/or responding to inquiries, only in state(s) in which they are properly registered and/or licensed. Your connection to this website does not necessarily indicate that the sender is able to transact business in your state. The information in this website is not investment or securities advice and does not constitute an offer. For more information about Equitable Advisors, LLC you may visit https://equitable.com/crs to review the firm's Relationship Summary for Retail Investors and General Conflicts of Interest Disclosure.
GE-6572038.1 (4/24)(Exp. 4/26)
CFP®, and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.
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