Equifax Data Breach: Steps to Protect Yourself

The Equifax data breach is a bit of a nightmare and at times disgusting to read about, but there's no need to spiral into paranoia. I agree with a lot of what this Reddit thread talks about concerning the breach, especially that the chance of having your identity taken advantage of is akin to winning the lottery. Just in this case you'd be losing. That doesn't, however, mean you turning a blind eye is a good idea.

No Initial Hard Credit Pull for Existing Amex Cardholders?

Apparently if you already have a credit card issued by American Express, the bank will not initially hard pull your credit report upon subsequent applications. They only pull your credit report if you are conditionally approved from internal information Amex already has on record, to double check nothing major has changed since then.