As we await additional information on the Anthem Security Breach, you may want to look at the credit reporting agencies 90 day fraud alert. Each of the three main credit reporting agencies (Trans Union, Experian, and Equifax) offers such alerts. The alert asks the credit issuer to take additional steps to confirm the identity of the person applying for credit. Additional information about the alerts are given on each bureaus' website. The process can be completed online or via certified mail.
These alerts are not full-proof and are not the same as a “credit-freeze.”