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    he three major credit reporting agencies: Equifax, Experian and Trans Union. That’s three reports a year. I stagger mine so that I watch my credit year round. I look at one in January, one in April and one in August.

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    You know it’s time to start worrying about holiday shopping when the trees and giant Santas come out in all of the stores. One store I shop at is already playing holiday music!

    The stores are gearing up for the holiday shopping season already. And so are identity thieves. It’s the happiest time of the year for them, too.

    The stores and malls are filled with rushed, often agitated, shoppers. The holiday crunch is distracting, and many shoppers forget to keep their personal information safe.

    Identity theft is the gift that gives all year long. And chances are that you’ll never know you are a victim until you are turned over to a collection agency or turned down for credit. By that time, a criminal could purchase a car, a boat and a lot of bling-bling in your name.

    One of the easiest ways to detect fraudulent usage of your identity is by checking your credit report. You are allowed one free report each year from each of the three major credit reporting agencies: Equifax, Experian and Trans Union. That’s three reports a year. I stagger mine so that I watch my credit year round. I look at one in January, one in April and one in August.

    If you suspect th

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    n already. And so are identity thieves. It’s the happiest time of the year for them, too.

    The stores and malls are filled with rushed, often agitated, shoppers. The holiday crunch is distracting, and many shoppers forget to keep their personal information safe.

    Identity theft is the gift that gives all year long. And chances are that you’ll never know you are a victim until you are turned over to a collection agency or turned down for credit. By that time, a criminal could purchase a car, a boat and a lot of bling-bling in your name.

    One of the easiest ways to detect fraudulent usage of your identity is by checking your credit report. You are allowed one free report each year from each of the three major credit reporting agencies: Equifax, Experian and Trans Union. That’s three reports a year. I stagger mine so that I watch my credit year round. I look at one in January, one in April and one in August.

    If you suspect t

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    r personal information safe.

    Identity theft is the gift that gives all year long. And chances are that you’ll never know you are a victim until you are turned over to a collection agency or turned down for credit. By that time, a criminal could purchase a car, a boat and a lot of bling-bling in your name.

    One of the easiest ways to detect fraudulent usage of your identity is by checking your credit report. You are allowed one free report each year from each of the three major credit reporting agencies: Equifax, Experian and Trans Union. That’s three reports a year. I stagger mine so that I watch my credit year round. I look at one in January, one in April and one in August.

    If you suspect t

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    minal could purchase a car, a boat and a lot of bling-bling in your name.

    One of the easiest ways to detect fraudulent usage of your identity is by checking your credit report. You are allowed one free report each year from each of the three major credit reporting agencies: Equifax, Experian and Trans Union. That’s three reports a year. I stagger mine so that I watch my credit year round. I look at one in January, one in April and one in August.

    If you suspect t

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    he three major credit reporting agencies: Equifax, Experian and Trans Union. That’s three reports a year. I stagger mine so that I watch my credit year round. I look at one in January, one in April and one in August.

    If you suspect that your identity has been stolen, you should immediately put a 90-day fraud alert on your credit file. All you have to do is call one of the three agencies. The credit agency will then contact the other two agencies for you. They are required to do so by law.

    The law also requires creditors to accept the fraud alert and take reasonable steps to verify your identity before opening a new account in your name.

    If the problem isn’t cleared up within 90 days, you can request an extended fraud alert that last up to seven years. To do this, you must provide proof that you have been a victim of credit fraud, for example, a police report. You can then remove the fraud alert at any time.

    Lenders must notify you if they are reporting unpaid bills or negative information about you to a credit bureau.

    You can help protect yourself from holiday identity theft by taking some defensive actions.

    Remember, you will likely be in a

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