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Credit Freeze 101: 6 Steps to Safeguard Your Identity and Score

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Manage episode 462096047 series 3424497
Content provided by Lee Enterprises. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Lee Enterprises or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ro.player.fm/legal.

In this informative episode of PennyWise, host Nat Cardona sits down with Chip Lupo, a credit card writer for WalletHub, to explore the vital topic of credit freezes. As the importance of maintaining a good credit score becomes undeniable, Chip offers a comprehensive guide on how to protect your credit and identity through the strategic use of credit freezes.
Listeners will gain insights into the process of implementing a credit freeze, its benefits, and potential drawbacks. Chip explains how a credit freeze can safeguard personal information from fraudsters, especially during times of increased vulnerability, such as the holiday season. He also discusses the ease of managing credit freezes through the major credit bureaus—Experian, TransUnion, and Equifax—via online platforms, phone, or mail.
Learn about the importance of unfreezing your credit before applying for new credit accounts and the impact of a credit freeze on existing accounts. Chip also highlights scenarios where a credit freeze might be beneficial and clarifies misconceptions about its effects on credit score improvements.

https://www.nerdwallet.com/article/finance/how-to-freeze-credit

Show notes created with assistance by https://headliner.app

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105 episoade

Artwork
iconDistribuie
 
Manage episode 462096047 series 3424497
Content provided by Lee Enterprises. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Lee Enterprises or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ro.player.fm/legal.

In this informative episode of PennyWise, host Nat Cardona sits down with Chip Lupo, a credit card writer for WalletHub, to explore the vital topic of credit freezes. As the importance of maintaining a good credit score becomes undeniable, Chip offers a comprehensive guide on how to protect your credit and identity through the strategic use of credit freezes.
Listeners will gain insights into the process of implementing a credit freeze, its benefits, and potential drawbacks. Chip explains how a credit freeze can safeguard personal information from fraudsters, especially during times of increased vulnerability, such as the holiday season. He also discusses the ease of managing credit freezes through the major credit bureaus—Experian, TransUnion, and Equifax—via online platforms, phone, or mail.
Learn about the importance of unfreezing your credit before applying for new credit accounts and the impact of a credit freeze on existing accounts. Chip also highlights scenarios where a credit freeze might be beneficial and clarifies misconceptions about its effects on credit score improvements.

https://www.nerdwallet.com/article/finance/how-to-freeze-credit

Show notes created with assistance by https://headliner.app

---

  continue reading

105 episoade

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