Another day, another data breach. Though this time the company that was breached was Equifax, which has credit information on most of us. For a while now, I've just assumed that the bad guys have any information they need to open an account in my name. My advice, and what I've done for myself, is to place a credit freeze on my accounts with each of the three credit agencies -- Equifax, TransUnion, and Experian. In Colorado, there's no cost to institute a credit freeze. But even if you live in a state where the credit agencies are allowed to charge a one-time fee, it's probably worth it. There's a slight hassle, and a small charge if you need to lift the freeze in order to get a loan or a credit card or some such thing. But again, the fee is probably worth it.