In this episode, we break down the "credit freeze," a security tool that allows you to lock your financial data at consumer reporting agencies like Equifax and TransUnion. We discuss why experts view freezes as the most effective defense against new account identity theft and explain the 2018 federal law that made freezing your credit free for all Americans. We also cover international developments, including Quebec's recent legislation, and clarify common misconceptions—such as the fact that a freeze will not prevent your credit score from changing. Tune in to learn how to manage your PIN and secure your financial future.