IDSafe

A poor credit score can lead to many difficult challenges in life such as denials for credit cards, car loans, mortgages, and more. Repairing a damaged credit score is a difficult and lengthy process. Fortunately, a "credit freeze" can prevent hackers and identity thieves from causing harm in the first place.

A credit freeze blocks access to your credit report by potential lenders and creditors. This means that when scammers attempt to open new credit cards or loans in your name, they are rejected because they cannot complete the approval process.

Many people don't consider a credit freeze until it's too late. While a credit freeze can help limit further damage after fraud has occurred, it won't erase the harm already done to your credit score.

So, when should you do a credit freeze? The answer is NOW! This applies even if you plan to apply for credit cards or loans soon. When you apply for loans or credit cards, you can temporarily lift the credit freeze for a creditor using a PIN. The credit freeze will automatically be reinstated after a brief period, once the creditor has accessed your report.

It is also important to protect your loved ones. For elderly parents, a credit freeze is essential as thieves and scammers often target the elderly and vulnerable. Additionally, placing a credit freeze on your children's credit can ensure they have a clean credit history when they reach adulthood.

Many people avoid placing a credit freeze due to the hassle of contacting the three major credit reporting agencies (Equifax, Experian, and TransUnion). Fortunately, there is an easy solution called Omniwatch.

With Omniwatch, you can freeze your credit, view your credit report, get alerts, and more. Expert specialists are available to help with any challenges or issues you may encounter.

Click the button below to get identity theft protection now!