Banks Won't Tell You To Do This

Published on January 24, 2026
Duration: 0:37

Jason Hanson, with high authority in personal security, explains the critical step of freezing your credit with Experian, TransUnion, and Equifax to prevent identity theft. He details how this freeze acts as a barrier against unauthorized account openings and loans, and how it can be temporarily lifted for legitimate purchases. This is a proactive measure against potential data breaches.

Quick Summary

Freezing your credit with Experian, TransUnion, and Equifax is a critical step to prevent identity theft. This security measure restricts access to your credit report, stopping unauthorized individuals from opening new accounts or loans in your name. You can temporarily lift the freeze when needed for legitimate credit applications.

Chapters

  1. 00:00Introduction to Identity Protection
  2. 00:05How to Freeze Credit
  3. 00:15Managing the Freeze
  4. 00:22Benefits of Freezing

Frequently Asked Questions

What is a credit freeze and why should I use one?

A credit freeze, also known as a security freeze, restricts access to your credit report. This is a vital step to prevent identity theft, as it stops lenders from accessing your report to open new accounts or loans in your name without your permission.

How do I freeze my credit with the major bureaus?

You need to contact each of the three major credit bureaus individually: Experian, TransUnion, and Equifax. You can typically initiate a freeze online, by phone, or by mail through their respective websites.

Can I still get credit if my credit is frozen?

Yes, you can temporarily lift a credit freeze. This is necessary when you are applying for new credit, such as a mortgage or car loan. You can usually request a temporary lift for a specific period, like 24 hours or longer.

What are the main benefits of freezing my credit?

The primary benefit is robust protection against identity theft. A freeze prevents unauthorized parties from opening new credit accounts, taking out loans, or accessing your financial information using your identity, even if they have your personal data.

More EDC & Lifestyle Videos You Might Like

More from Jason Hanson

View all →