Freezing and monitoring your credit helps protect against identity theft by preventing unauthorized access to your credit report, making it harder for fraudsters to open new accounts in your name. It provides ongoing oversight, alerting you to any suspicious activity and allowing for quick action to mitigate potential damage. Additionally, it offers peace of mind knowing that your financial information is secured and continuously monitored.
Contact each of the three credit bureaus
Request a credit freeze for your account
Provide personal identification information
Receive a unique PIN or password
Confirm the credit freeze is in place
Keep your PIN or password secure
Check for freeze confirmation emails
Repeat the process for all bureaus
Monitor your credit reports regularly
Unfreeze temporarily for new credit applications
Re-freeze after completing necessary transactions
Educate yourself on maintaining credit freeze security.
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Get alerts when someone tries to open a new credit card. Get notified when there's been a large purchase on credit cards.