Equifax is the best annual credit report. It consistently uses the most updated FICO score making it more relevant. All three of the major reporting agencies are important. You can obtain your credit report from all three for free. Use all of them over the course of the year to maximize their benefit.
Changing your password will not stop hackers. There are benefits to occasionally changing your password like protecting against other kinds of cyber threats. However, there any many ways for hackers to gain access to your account.
IRS PINs are sent out from mid-December through mid-January. You should expect your IP pin within three weeks from when it was sent. If there is a problem, call them directly at 1 800 908-4490. You will have to verify your identity.
