Retirees are vulnerable to identity theft because they are in frequent contact with professionals and caregivers who have access to personal information.
There is no need for fancy-pants credit monitoring services. Under federal law, you are entitled to free annual credit reports by visiting: www.annualcreditreport.com. Rather than requesting a report from all three agencies at once, space them out. Each agency allows one report per calendar year.
The schedule we follow is:
- April – Equifax
- August – Transunion
- December – Experian
The report will not give you a score, which is okay. You are simply checking the report for inaccuracies and fraudulent activity.
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