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protecting yourself online - credit freeze

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I realize that most individuals are unaware of what a Credit Freeze does. I wanted to provide a guide for people to link to and for family members to link to:

Q. Where can I freeze my credit?

A. You must Freeze your credit file with all three Bureaus’s:

Q. Does freezing my credit affect my credit score?

A. It does not. Freezing your credit file means no one can open a new line of credit without the credit file being thawed.

Q. What is a Thaw?

A. It is either a permanent unfreezing of your credit or a temporary lift.

Q. Does it cost anything to freeze my credit?

A. Depending on the state it can cost anywhere from $0 Dollars to $10 Dollars. Equifax publishes a table of fee’s.

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