Have you ever received a letter in the mail saying your personal information was stolen in a data breach? I have received many of these letters, and I wish I had frozen my credit right away. Over the next few years, I experienced the following: While reviewing my credit reports, I discovered a credit card in my name that I did not know about, as well as a home address in another state that was not mine. I started receiving phone calls from a debt collector about a debt in m