Placing a freeze on your account is an extreme step and might not be necessary, especially if you don’t know for sure that you’re personal information was compromised or stolen.

A freeze blocks anyone from accessing your credit reports without your permission. It can be an inconvenience for you, too. If you want to take out a loan or open a new credit card, you’ll have to contact the reporting agency to temporarily remove the freeze. Fees to freeze your account vary by state, with Ohio charging only $5.

Here’s a link to the FTC’s website.

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