30-second tip: freeze your credit to deter identity theft.

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Here's a 30-second tip to help protect your financial identity: Freeze your credit to stop identity thieves from opening new accounts in your name. A credit freeze locks your credit report so lenders cannot access it until you lift the freeze. It is free to set up and does not affect your credit score. To get started, gather your personal details like your Social Security number, birth date, and current address, then reach out to each of the three major credit bureaus – Equifax, Experian, and TransUnion – by phone, online, or mail to place your freeze. Remember, if you need to apply for new credit later on, you can temporarily lift the freeze. Act now and keep your credit secure.