
Consumer Tips
For more than 40 years, U.S. PIRG Education Fund has alerted the public to risks to their health, safety and financial security. And, we empower people to avoid these dangers and protect themselves. Below are some of our most frequently requested resources and now we're adding new ones regularly.



You have two primary options for freezing your credit files with the three major credit bureaus. You can do it by phone or online, whichever you’re more comfortable with. One in 20 people was a victim in 2019. Account takeovers, which involve a criminal gaining access to an existing account, soared by 72 percent in 2019. Fraudulent unemployment claims have been on the rise during the pandemic. Scammers received more than $36 billion by fraudulently claiming unemployment benefits last year, with millions of cases of fraud suspected. You could be next. Freezing your files protects you not just from someone fraudulently opening a credit card or applying for a loan in your name. It also can prevent someone from accessing your tax records with the Internal Revenue Service (IRS) or opening a Social Security account using your information or potentially launching a slew of other problems.
How to freeze your credit files by phone or online
THE WORST CONSUMER PROBLEM: FRAUD/ IDENTITY THEFT
Fraudulent unemployment claims: You could be next -- here's what to do
Credit freezes FAQ: You can prevent a fraud nightmare in 20 minutes

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