Identity theft can happen to anyone—and often when you least expect it. One simple, effective way to protect yourself is by placing a credit freeze on your credit report.

A credit freeze lets you restrict access to your credit file, which means lenders can’t check your credit unless you lift the freeze. That makes it much harder for identity thieves to open new accounts in your name, even if they have your personal information.

How It Works

When you place a credit freeze, each of the three major credit bureaus—Equifax, Experian, and TransUnion—locks your file. You’ll receive a PIN or password to unfreeze it temporarily if you want to apply for a loan, open a credit card, or complete another credit check.

The best part?

It’s free, and it doesn’t affect your credit score. You can lift or reinstate the freeze anytime, online or by phone, in just a few minutes.

Why It’s Worth Considering A credit freeze adds an important layer of protection against fraud. While it won’t stop every form of identity theft, it’s one of the most effective ways to prevent new accounts from being opened without your permission.

Protecting your financial well-being starts with awareness—and taking small steps like this can make a big difference.

👉 Want to learn more? Check out this helpful guide from the FTC: https://consumer.ftc.gov/articles/credit-freezes-and-fraud-alerts