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Is It Time to Freeze Your Credit? What to Know
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Is It Time to Freeze Your Credit? What to Know

June 13, 2025

With an abundance of scams and data breaches exposing our sensitive information, it doesn’t take much for a criminal to cobble together an identity profile and ruin a victim’s finances. That’s why more people every day are placing a credit freeze on their financial accounts. The question now is, should you?

According to a study, identity fraud cost Americans $43 billion last year. An empty bank account, unexpected credit card purchases, and bills for accounts you never opened are signs something is wrong, so don’t wait to act.

Placing a credit freeze helps prevent new credit accounts being opened in your name. A credit freeze won’t prevent identity theft, but it can help soften the blow financially. One thing a credit freeze won’t do is excuse you from the responsibility of paying your bills. Sorry!

ABC’s Of A Credit Freeze

Applying a credit freeze is at no cost to you and is relatively easy to do. That’s especially true considering the herculean effort it takes to dig yourself out of a financial fraud attack and reestablish your credit.

You need to contact all three credit bureaus—Equifax, TransUnion, and Experian, individually. You can place a freeze over the phone or online. Just make sure you’re using the 100% legitimate contact information before moving forward. Once enacted, no one but you can open a new credit account, and you’ll need to temporarily lift the freeze to do so.

Lifting a credit freeze for any length of time means again contacting all three credit bureaus and is also free to do. Again, the time it takes to undo a credit freeze and reinstate it, is well worth the effort.

Our reasons to use a credit freeze or not is a choice best made by being informed. And since data breaches and scammers aren’t going away any time soon, regularly check your credit reports and limit the amount of personal information shared online. You’ll always be glad you did.


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As much as we love the convenience of our digital world, we know a hefty price tag can come with it. The world is full of bad actors whose goal is to get their hands on our sensitive, personally identifiable information, or PII. Should you find your PII is for sale on the dark web, it helps to know there are options for doing something about it, even if you think it’s too late. Just some of that hijacked PII can include passwords, email and physical addresses, Social Security numbers, financial accounts, and much more. READ FULL STORY

Credit Monitoring vs Credit Freeze

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Credit Monitoring vs Credit Freeze

Have you been offered credit monitoring because of a data breach? Will credit monitoring alone safeguard you against identity theft? In a nutshell, the answer is a resounding "no." Credit monitoring and identity theft protection services both have their pros and cons. But if you are offered these services as a result of a data breach or other cyber incident, it’s important to know what they are and do…and what they are not and don’t and whether a credit freeze is really what you need. READ FULL STORY

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Financial institutions and hacking go hand-in-hand. Hacking banks and their account holders is the most direct cash infusion a hacker can get…and they know it. According to Kaspersky Lab, attacks on ATMs alone hit an all-time high in 2017 with malware-as-a-service (MAAS) opportunities. With this service, even hacking “hacks” who have no cybercrime experience can watch an instructional “how to” video on how to target an ATM successfully. Guarding our finances with common sense protection is something we all need to do. READ FULL STORY

Should I, Could I Freeze My Credit Report?

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Should I, Could I Freeze My Credit Report?

Having your private information or identity stolen is no picnic. It takes quite a long time to make it right, so one of the best ways to help ensure that neither happens in the first place is to protect it as much as you can. In light of the recent Capital One data breach, many may be considering putting a freeze on their credit reports and that is a great idea. However, it's a good idea to be sure to know what that means before taking that action. READ FULL STORY

Children As Online Targets--What Every Parent Needs To Know

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Children As Online Targets--What Every Parent Needs To Know

Adults should be well-aware of hacking and the risks involved when traversing online. But what many don’t know is the sad truth that children are also targets of online abuse. Sadly, this includes infants. The good news is that parents aren’t helpless when it comes to protecting their child’s online activities and real-world identities. Knowing the signs of child identity theft, other harmful vulnerabilities and how you can help prevent them is a great way to start. READ FULL STORY








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