Banks Won't Tell You To Do This

Published on January 24, 2026
Duration: 0:37

Jason Hanson, drawing on personal experience with data breaches, emphasizes the critical importance of freezing your credit with the three major bureaus: Experian, TransUnion, and Equifax. This proactive measure is presented as a vital defense against identity theft, preventing unauthorized individuals from opening new credit accounts or taking out loans in your name. He also explains the straightforward process for temporarily lifting the freeze when necessary for legitimate purchases.

Quick Summary

Jason Hanson advises freezing your credit with Experian, TransUnion, and Equifax as a primary defense against identity theft. This prevents unauthorized parties from opening new accounts or loans in your name and can be temporarily lifted for major purchases.

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 the most effective way to prevent identity theft according to Jason Hanson?

Jason Hanson strongly recommends freezing your credit with the three major credit bureaus: Experian, TransUnion, and Equifax. This action prevents unauthorized individuals from opening new credit accounts or taking out loans in your name, acting as a robust defense against identity theft.

How do you freeze your credit with the major bureaus?

To freeze your credit, you must contact each of the three major credit bureaus individually: Experian, TransUnion, and Equifax. Placing a security freeze with each one is necessary to ensure comprehensive protection against identity theft.

Can a credit freeze be temporarily removed?

Yes, a credit freeze can be temporarily lifted. This is typically done for a 24-hour period when you need to make a significant purchase, such as buying a home or a vehicle, that requires a credit check.

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