One of the three largest credit bureaus, Equifax, is collecting data that could screw you out of thousands of dollars -- or a job.

I dug up everything you need to know about a new database of 716 million income and employment records, including, potentially, yours. Why? Because I want you to always be tech-ahead and never tech-behind.

Employers can use this massive employee verification database from Equifax (yep, the same folks who leaked 147 million people's data in 2017) to make sure you are who you say you are.

Your Employment Data Report (EDR) includes things like where you've worked, when you worked there and your exact past salary numbers.

Trying to get a new job? An employer could use your EDR to find your past salary range and lowball you in negotiations. Your current employer could also see if you have a side hustle and use that info to fire you.

And, of course, Equifax will sell your EDR to anyone who's buying, including debt collectors. No bueno.

You can freeze your EDR just like a credit report. You can also see who's tried to access it within the past two years.

Unfortunately, you'll need to make an account with The Work Number to do it. Ironic, I know.

Once you register, look over your report and make sure it's accurate. Fill out this data dispute form if you find anything fishy.

Then, head back to the dashboard and click Freeze Your Data. Fill out the Data Freeze Placement Form and submit it.

The Work Number will send you a freeze confirmation letter, along with a PIN. Save your PIN in your password manager. You'll need it if you ever want to unfreeze your report.

If you can't find your employer: They may not be registered with The Work Number. Call the freeze helpline at 1-800-367-2884 to double-check.

🛑 Whatever you do, don't send your form or ID docs over email!

But I guarantee it'll take you less time than it takes to scour LinkedIn for a new job. You can always log into The Work Number or call them to unfreeze your report. Remember, you'll need your PIN, too.

My take: Unless you're actively applying for a loan or government benefits, or unless an employer actively requests your EDR, it's a no-brainer to freeze it. And if a potential employer insists on checking your EDR to hire you, let's just say they might not be a "culture fit."

😂 Speaking of jobs ... Proctology can be a rewarding career, but you have to start at the bottom.

Award-winning host Kim Komando is your secret weapon for navigating tech.