Thank you for joining this session on protecting your credit with a security freeze. We explored why it’s a powerful tool, how to set it up, and what to keep in mind when you need to temporarily lift it.

Key Takeaways and Next Steps

Freezing Your Credit Is Free

By federal law, you can freeze and unfreeze your credit at no cost through the three nationwide credit bureaus: Equifax, Experian, and TransUnion.

Why It Matters

A freeze prevents new creditors from accessing your file, making it much harder for identity thieves to open credit in your name. Your existing accounts and certain authorized agencies can still view your credit.

Temporary “Thaw” When Needed

If you need credit checked (for example, when buying a car, renting an apartment, or applying for insurance), you can lift the freeze for a set time. It will automatically refreeze when the period ends.

How to Set It Up Safely

You must contact all three credit bureaus individually or use the Consumer Financial Protection Bureau (CFPB) website to find the correct links. Be sure to store your login details and security codes in a secure place.

Fraud Alert vs. Security Freeze

A fraud alert requires extra verification but still allows creditors access to your report. A freeze offers stronger protection and is recommended if you’ve been a victim of identity theft or want maximum security.