Contact Us

University of Illinois Extension serving Champaign, Ford, Iroquois and Vermilion Counties

Champaign County
801 North Country Fair Drive
Suite D
Champaign, IL 61821
Phone: 217-333-7672
FAX: 217-333-7683
Hours: Monday-Friday 8:00am to 4:30pm (Closed 11:30 - 12:30pm)

INEP Office
201 W. Kenyon Road
Suite 2
Champaign, IL 61820
Phone: 217-353-0740
FAX: 217-351-2019

Iroquois County
916 W Seminary Ave
P.O. Box 163
Onarga, IL 60955-0163
Phone: 815-268-4051
FAX: 815-268-4058
Hours: Monday-Friday 8:00am to 4:30pm (Closed 12 - 1pm)

Vermilion County
3164 North Vermilion
Danville, IL 61832
Phone: 217-442-8615
FAX: 217-442-8628
Hours: Monday-Friday 8:00am to 4:30pm (Closed 12-1pm)

News Release

What to Do When Your Social Security Number is Public Information?

In the last few years, we’ve had data breaches at the IRS, grocery stores, retail stores and now a major credit bureau. After much thought, I’ve come to accept that my Social Security number is no longer private, and won’t be for the rest of my life. In addition, because I care more about someone using my identity for financial gain than anyone else, it’s up to me to monitor my financial accounts. 

While I can’t stop identity theft, I can take steps to minimize damage. Many strategies are available and each person must decide which strategies are best for them.

One of the best tools we have to spot identity theft is to check our credit reports. You need to check your report from each of the three credit bureaus for it to be effective. You can check them free once a year at

However, you may want to pay to see them more often. Each time you check, it will cost between $10 and $15. If you checked all three, three times a year, it would cost you about $100.

Paying for a credit monitoring service is an option but these services have both pros and cons. Credit monitoring systems will alert you to a change in your credit report. For example, if there’s a request for a new credit card, the system will notify you. 

The disadvantages of credit monitoring is it can be expensive: typically $120-$200 a year. Also, when you sign-up for a credit monitoring service you are likely giving the company permission to use your information for marketing purposes.

If your Social Security number is part of a data breach, you can place a 90-day fraud alert on your credit report. Report this to one of the credit bureaus and it will apply to all three. When you have an alert on your report, a business must verify your identity before it issues credit, so it may try to contact you. Plus, you get a free credit report from each bureau. 

With the recent data breach at Equifax, a credit bureau company, many people are wondering whether they should put a “freeze” on their credit report. A credit freeze stops the company from releasing your credit report or any information from it, except in certain exceptions. For example, companies you currently have loans with and collection agencies can still receive your report.

However, freezing your credit report may not be realistic for everyone. If you want to borrow money (for example, apply for a new credit card) you have to lift the freeze first. In addition, because credit reports are used by businesses other than lenders, the credit freeze also may interfere with changing insurance policies, renting housing, and signing up for new utilities or phone service.

It typically costs $10 to lift the freeze temporarily or permanently. Placing the freeze may cost you $10 as well. However, if you’re a victim of identity theft (which requires a police report or other documentation) or at least 65 years old, it’s free. Lifting a freeze may take up to three business days. If you’re a person who moves often, then this may not be the best option for you due to the cost and inconvenience.

In contrast, if you’re an older adult without a lot of change in your life, then a credit freeze may be helpful. To freeze your credit report you need to contact each of the credit bureaus and each will charge a fee. If you’re married, you need to freeze both your and your spouse’s credit reports to protect your identity. For detailed information about how to place a credit freeze, go to the Illinois Attorney General’s resource at

The above strategies help minimize the risk of someone borrowing money in your name. However, monitor all your financial accounts regularly, including saving and investing accounts. If you have any concerns, contact your financial institution. You can use text alerts to monitor your financial accounts; ask your financial institution about this. Overall, stay alert with your finances!

If you find learning about finances interesting, then you might like to become a Money Mentor. Our next volunteer training starts October 30th. Visit to learn more.

Local Contact: Kathy Sweedler, Extension Educator, Consumer Economics,