I have been relocated by my company to the US and lived there for a few years. Now I'm back home. Being away I'm suspecting that I'm more susceptible to identity thefts.
I'm looking for a few good steps to take considering I'm not very active financially. One thing I did and been happy about us opt out of credit card offers for 5 years.
What other precautions would you recommend I take?
- would it make sense to sign up for the banks identity protections programs?
- how about freezing/locking credit?
- I've heard that there are banks that will allow one to mandate asking for a PIN on top of the social security number when using phone banking, anybody willing to share experience with that?