Why We Should All Put a Credit Freeze in Place

By: Patrick Cote, CFA, CFP®

We believe credit freezes are one of the most effective, yet least-discussed, techniques to prevent identity theft.  They might be little-known because no one, including the credit bureaus, actually makes any money from a credit freeze – unlike credit locks, they are now provided for free.   Putting a credit freeze in place prevents the credit bureaus from sharing your credit report with any third parties, which makes it hard to establish new credit.  The freezes are very helpful for each of us, because

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