It is very easy to prevent almost any kind of identity theft. Many tips, so much articles online, but things can be done very easy. Let our experts explain that now ...

1. How to Prevent Almost
Any Kind of Identity Theft
in These 3 Steps, It’s
ABSOLUTELY Free, No
Need to Read Thousands
of Articles Online!
Written by:
ElitePersonalFinance.com

2. Identity theft prevention tips are a dime a dozen because there are thousands floating around
the Internet, but these three simple tips will provide you 99.999% protection from identity theft.
Do not waste any more time reading all the difference ‘advice posts’ people write. You do not
need thousands of tips; even five would be too much, because there are three simple measures
you can take that will overshadow all those other efforts.
Without further ado, here are the three identity theft prevention steps you must take -- in return,
paying for protection will no longer be necessary!
1. Make Use of the ‘Credit Freeze’
This action causes the credit bureau to contact you for authorization before a new lender can
successfully pull your credit file. As such, new account fraud becomes obsolete once a
security freeze is placed on your credit report.
The only downfall with the credit freeze is that it will not stop a current creditor from pulling your
report. This means identity fraud could still happen from within one of your pre-existing credit
accounts.
Want to understand more? Check out Elite Personal Finance’s ‘What is a Credit Freeze’ guide-
style post addressing this subject. They not only explain how they work, but also guide you
through the process of setting one up.
2. Use AnnualCreditReport.com for Free Credit Reports
You are entitled to a free credit report from each of the three credit bureaus once a year. This
can be requested over the Web through the official distributor of the free annual credit report --
go to AnnualCreditReport.com to get your free report today!
A word of advice: the benefit of having three different bureaus to pull from through the course of
a year means you can effectively get the tri-annual monitoring feature (that many credit
monitoring services have) for free.
To do so, you just have to request a report from one bureau now, another from a different one in
four months, and then the last one four months after that. You can repeat this process every
single year.
Also, some people choose to place a 90-day fraud alert instead. This is a warning notation that
sits on your credit report. When a lender pulls your file, they will see a warning that suggests
they should contact you before verifying any new accounts or changing any information on
current accounts.
3. Get Free Credit Monitoring
You can find many free credit monitoring services if you take the time to search. Do not sell
yourself short by paying $10 to $30 a month if you cannot afford it. These paid products are
great, and often do have even more features than the free ones, but they are not always
necessary.

3. In regards to free credit monitoring products, there are a multitude of options such as Credit
Karma, Credit Sesame, and Quizzles. Each have something cool to offer, but many find Credit
Karma to be the most effective (and least profit-oriented) in the end.
What Can Credit Karma Do For You?
Credit Karma gives you a free VantageScore 3.0 rating update every single week. This is not a
FICO score, but it is much more effective than most FAKO scores -- in fact, over 1 billion of
them were pulled in 2014 alone. So, you can rely on it as a way to track the progression of your
credit score when trying to build or repair your credit.
With Credit Karma, you will also receive credit account monitoring, and general account
monitoring -- this could extend to bank accounts and loan accounts. These are all tracked and
updated every single day.
Credit Karma is Perfect for New Borrowers
Also, this is the ideal credit monitoring service for anyone with little to no borrowing history. If
you are considered a ‘thin file borrower’ or you have a fresh file, you will not have enough on
your report to register a FICO score.
If it’s your first credit report entry towards your FICO score, it will take a total of six months
before you get rated -- meanwhile, Credit Karma uses the VantageScore 3.0 that many other
services do not offer; you will be able to get a credit rating sooner!
Got a Problem? The answers are there.
The Internet has the solution to everything -- unfortunately, for every right answer there are
many wrong ones. If you really want quality identity theft prevention advice, you need to go to
the right source:
100 Ways to Prevent Identity Theft
Have patience …
As much as people scare you into thinking credit monitoring or identity theft protection is
something as essential as your heating utilities, it’s not that big of a deal.
You can learn over time -- and most features are executable free anyway!
If you just educate yourself, it will soon be clear that most of what these companies do is
possible at little to no cost to you. It’s usually just a matter of filling out a few pieces of paper; if
you learn how to protect yourself for free, you will effectively save around $150 to $250 per
year.
It is not likely that a fraudster will strike against you today or tomorrow.
This means you still have time to learn the ins and outs of protecting yourself. Just do not let the
urge to get smarter about your personal security drift away.

4. Over the course of a few weeks, you will be able to master the topic and put all the appropriate
security layers in place to drastically reduce your odds of getting attacked.
Best of luck in your journey to excellent credit all!
Kindly,
Elite Personal Finance