Should I freeze my credit after a data breach?

Yes — freezing your credit after a data breach is one of the best steps you can take.

A credit freeze blocks lenders from checking your credit report, which helps stop thieves from opening new accounts in your name. It does not affect your credit score, your existing cards, or your bank accounts.

Key points:

• Free by federal law
• You need to freeze all 3 bureaus: Equifax, Experian, and TransUnion
• You can temporarily lift the freeze later for a mortgage, car loan, or other new credit
• Keep your login and PIN details in a safe place

You can freeze online:

• Equifax: equifax.com/personal/credit-report-services
• Experian: experian.com/freeze
• TransUnion: transunion.com/credit-freeze

A freeze is the strongest simple defense if your Social Security number or other sensitive info may have been exposed.