If you are worried about identity theft, data breaches, or unauthorized access to your credit report, you should place a credit freeze on your report.

Also known as a security freeze, this free tool lets you restrict access to your credit report. This makes it harder for identity thieves to open new accounts in your name. A credit freeze does not affect your credit score, nor does it prevent you from getting your free annual credit report. It also doesn’t prevent a thief from making charges to your existing accounts. So, it is a good idea to monitor all bank, credit card and insurance statements for unauthorized transactions.

If you would like to put a credit freeze in place, simply contact the credit bureaus. Each credit bureau will set you up with a PIN and password to manage your credit freeze. It is absolutely free to freeze or un-freeze your credit report.


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Have questions? Give Scott Bennett a call at 503.703-4699 or email scott@altmo.com. Let’s discuss your credit report so you can make an informed decision that’s appropriate for your situation.