Tyla and I have been part of numerous security breaches over the past couple years. I’m confident that all of our private data is floating around out on websites to be easily purchased for a surprisingly small amount of money. (Seriously, you can buy tens of thousands of credit card numbers for less than the cost of going out to dinner.) A couple months ago, I put a fraud alert on our credit reports. It’s free and it basically adds a note that says that you have to be called before any new credit is opened. That’s a good step, but it only lasts for 90 days and it’s not bulletproof.
I recently took it a step further and put a full credit freeze on our account. Nobody can see our credit report while it is frozen which is an even bigger red flag for creditors to see before they extend a new line of credit. There are plenty of downsides to it though. If we ever need have our credit reports checked (buying a car, signing up for a new cell phone, etc), we have to go through some extra steps to unfreeze the report. And oh yeah there are three credit agencies and oh yeah, two of them charge $10 to toggle the freeze flag.
Before you do anything like this, you should understand all the ramifications by reading the FTC page. Herb Weisbaum, the Consumer Man, has a good article that also talks about some of the other services that the credit agencies are offering that are more convenient (and cheaper) than the full freeze. But read the fine print and understand that you’re probably saving money because they are selling a bunch of your data. That was a deal breaker for me.
If you decide to go through with the full freeze, grab your credit card (remember it will cost you about $21 to do this) and head to these three sites:
Experian: https://www.experian.com/freeze/center.html
TransUnion: https://freeze.transunion.com/
Equifax: https://www.freeze.equifax.com
Each one will give you a pin which you need to keep in a safe place so you can unlock your credit report at some point down the road.
It’s a lot of work, but it’s nice to know that I’m much less likely to have surprise credit cards opened up in my name.
Smoke Forecast
Seattle is in the midst of some record-breaking bad air quality due to the wildfires in British Columbia, eastern Washington and California. Unless the wind is blowing form the west, it gets smokey in Seattle and an inversion layer traps the smoke down here between the mountains.
There are a couple handy sites for helping to check how bad it is right now and how it’s going to look in the future. The first is the Puget Sound Clean Air site. It shows a short timeline of the particle count in the air.
The second is an experimental forecast from NOAA that predicts where the smoke will be going. Choose your overlay on the top left and then choose the hour of the forecast on the bottom left. (Note that if you slide it all the way to the right it appears to jump back in time.) The forecast only goes out about 24 hours, but, for example, today you can at least have some hope that tomorrow will be a little better.