Cyber-Bob’s Daily Cyber Safety Tip — #115

“Freeze your credit — it’s free, permanent, and stops ID thieves cold.”

Most people think credit freezes are something you only do after you’re a victim.
Nope — the smart move is doing it before anything goes wrong.

A credit freeze blocks anyone from opening accounts in your name, even if a scammer has your:

• Social Security number

• Date of birth

• Address

• Full stolen credit report

• Or info from a massive breach (and there have been plenty)

Why a freeze is so powerful

• Banks can’t pull your credit = crooks can’t open loans.

• Cell phone lines can’t be opened in your name.

• Fake utility accounts get stopped before they start.

• It doesn’t affect your current credit cards, bank accounts, or score.

How to freeze it (and unfreeze if needed)

You freeze your credit one time at each of the big three:

• Equifax

• Experian

• TransUnion

Unfreezing is easy — temporary lift, permanent lift, whatever you need.

 Cyber-Bob’s Bottom Line:

“A credit freeze is the seatbelt of identity protection — free, simple, and lifesaving.” ❄️🧊🔒

(ChatGPT was used to help create this article.)