06/17/2026
If your personal information is exposed in a breach, and most of ours already has been, criminals can try to open accounts in your name.
A credit freeze is one of the strongest protections, and it is free.
A freeze blocks lenders from pulling your credit, which stops most fraudulent account openings. You can lift it temporarily anytime you apply for credit yourself.
Steps to take:
• Place a freeze with all three major credit bureaus separately.
• Save the PIN or login for each so you can unfreeze later.
• Consider freezing credit for your children, who are common identity theft targets.
• Check your credit reports for accounts you do not recognize.
A freeze does not affect your credit score or your existing cards.
It takes one evening to set up and quietly protects you for years. Few security steps offer that much value for so little effort.