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NameCurrent message text
 h English (en)</noinclude>
<!-- j. Review your online accounts and credit reports regularly for changes -->
It’s more important than ever for consumers to safeguard their online accounts and monitor their credit reports. A credit freeze is the most effective way for you to protect your personal credit information from cyber criminals right now. Essentially, it allows you to lock your credit and use a personal identification number (PIN) that only you will know. You can then use this PIN when you need to apply for credit.