Individuals can ensure their credit information is accurate and safe by taking the following steps: Monitor your credit report regularly: Request your free credit report from the three major credit bureaus (Equifax, Experian, and TransUnion) and review it to make sure there are no problems or mistakes. Look for things like someone else's information in your report, incorrect account balances, or accounts that you don't recognize. If you find mistakes, you can dispute them. Consider using credit freezes or fraud alerts: These make it more difficult for fraudsters to secure loans or credit cards in your name. A credit freeze prevents anyone from checking your credit report or credit score, which is typically the first step creditors will take in reviewing applications for loans or credit cards. A fraud alert requires creditors to verify your identity before processing any application made in your name. Assess your credit: Obtain current credit reports from each of the big three credit bureaus to ensure the accuracy of your credit history. Protect yourself from cybercrime: Avoid clicking on links to fraudulent sites and be cautious when providing personal information online. Regularly check your credit reports and credit scores: This is an important way to ensure your personal and account information is correct, and may help detect signs of potential identity theft. By following these steps, individuals can help protect their credit information and reduce the risk of identity theft.