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Alexander Joyce of Rejoyce Financial shared with WTHR-TV tips for the large data breach of Equifax.

“We’re talking about almost half of our country’s population has just been victimized or exposed and I think we should be more mindful as to the direction we should go,” advised Alex Joyce with ReJoyce Financial, LLC.

Joyce says even if you haven’t been compromised, it’s a good idea to freeze your credit so scammers cannot open a line of credit in your name.

“When you do that through all the three major bureaus, they give you a pin number, you freeze it. At the end of it, you use that pin number, you unfreeze it, but I think now is a time to be more proactive than ever,” Joyce said.

Joyce also recommends signing up for credit monitoring through your bank or another company that provides the service.

Equifax has offered the service free for a year to anyone whose information was hacked in this breach, but there could be a catch. Signing up for the monitoring could mean you give up your right to bring any kind of lawsuit against them for financial damages.

Joyce believes signing up with another service is worth the money it could cost.

“It does cost money,” said Joyce. “But so does purchases on your credit and so does the long tem effects,” he added.

Watch the video above for the full story.

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