![]() I personally use and recommend a password manager to store and create secure passwords for all of my accounts. Making it harder to be hacked will make you a less attractive target for identity theft and credit fraud. In addition to a credit freeze, it’s smart to use secure passwords on all of your banking, email, and social media accounts. While the process of freezing your credit is time consuming, take comfort in the fact that you’ll be protecting yourself and your loved ones if you decide to get a credit freeze. A credit freeze isn’t a substitute for monitoring your own credit report from time to time. Remember that it’s possible for companies to misreport an on-time payment as being late. Once your credit is frozen, it’s still smart to request a free credit report at least every 6 months at to make sure that everything in your credit file is accurate. Remember that you need to contact the major credit bureaus individually to freeze and unfreeze your file. You’ll need this PIN to unfreeze, or thaw, your credit report before you establish new credit accounts. Once you verify your identity and make the request, you’ll receive a PIN. I have found that completing the process online is more convenient. When you are ready to freeze your credit report, you can contact the credit bureaus to establish a credit freeze by phone or online at the sites and numbers below. If you are ready to freeze your credit, here’s what you need to know. The time involved in getting a credit freeze from the major credit bureaus pales in comparison to the hassle of disputing an error on your credit report. If you’ve ever had to dispute anything on your credit report or deal with a fraudulent account, then you’ll know that the amount of time it takes to instate a credit freeze is time well spent. I think it’s a small price to pay for the security that it offers.
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