A credit freeze helps prevent new lines of credit from being opened, but thieves can be sneaky. They can attempt to change the contact info on your freeze settings or pivot to stealing from existing accounts. It’s a good layer of defense—just not an impenetrable force field. Keep checking your statements and be prepared to dispute fraud if it surfaces.

Michael F. Cardoza, Esq.
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U.S. Marine & Consumer Financial Protection Attorney helping victims of ID theft and Credit Reporting errors.