How do I freeze my credit file and why should I consider doing it?

Concerned about identity theft? In this episode of the Ask Ralph Show, Ralph Estep Jr. explains how freezing your credit can protect you from fraud. Through stories like Michael’s experience with a recent data breach and Rebecca’s decision to freeze her credit, Ralph underscores the dangers of unauthorized credit activity. He offers a straightforward guide to freezing your credit with all three major bureaus and provides tips on protecting your children’s credit as well. With practical advice rooted in Christian faith, this episode empowers you to take charge of your financial security and confidently say, “It’s time to freeze my credit file” to safeguard what matters most.

https://www.askralphpodcast.com/freeze-my-credit-file/

Podcast Timestamps:
00:00 Episode Overview
01:04 Listener’s Question
03:13 Bible Verse: Proverbs 22:3
03:37 Rebecca's Story: A Case Study in Credit Freezes
08:10 Why Credit Protection Matters
06:06 The Power of Credit Freezes
12:53 Steps to Implement a Credit Freeze
16:25 Action Steps You Can Take
18:48 Closing

Websites Mentioned:
https://www.equifax.com/personal/credit-report-services
https://www.experian.com/help/credit-freeze/
https://www.transunion.com/credit-freeze?atvy=%7B%22261809%22%3A%22Experience+B%22%7D
https://www.annualcreditreport.com/index.action

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