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 t...