How to Freeze Your Credit to Prevent Identity Theft

Identity theft can cause lasting damage to your financial health. Fraudsters use stolen personal information to open new accounts, take out loans, and rack up debt. Once that happens, cleaning up the mess is time-consuming and stressful. One of the strongest steps to protect yourself is to freeze your credit.

Why Freezing Your Credit Is Essential

We recommend freezing your credit if you’re concerned about identity theft or have already experienced unauthorized activity. A freeze stops new lenders from accessing your credit report, meaning no one can open accounts in your name or even have your information. If you’re unsure whether this step is right for you, a Los Angeles consumer protection lawyer can guide you through the legal options available.

Work with an Experienced Legal Professional

Our attorney, Steven Lance Marchbanks, has helped individuals throughout California secure their financial futures by addressing identity theft issues and unfair credit reporting. He understands how these crimes affect every area of life—from denied loans to emotional distress—and knows what it takes to restore your good name. Whether you’re already a victim or trying to stay protected, having legal support makes all the difference.

How We Help Protect Your Credit

At Premier Legal Center, APC, we understand how important it is to act quickly. Our legal team walks you through each step of the credit freeze process and ensures your rights are fully protected. We provide personalized guidance on communicating with credit bureaus and help you respond if any fraud appears on your report. We’re here to stand by your side if you’re looking for a trusted Los Angeles consumer protection attorney.

Steps to Freeze Your Credit

• Contact each of the three major credit bureaus: Equifax, Experian, and TransUnion.
• Request a freeze online, by phone, or by mail.
• Provide identification documents as required.
• Receive confirmation and a personal identification number (PIN)
• Keep your PIN secure for future unfreezing when applying for credit.

We walk our clients through these steps and help resolve any issues that may come up. Sometimes, incorrect information or existing fraud can create delays. Our team knows how to handle those situations efficiently and effectively.

What a Credit Freeze Does—and Doesn’t Do

A credit freeze blocks access to your credit report. It prevents new credit lines from being opened, which makes it harder for criminals to do damage. However, it does not affect your existing credit cards or accounts. You can still use them, and your score remains unchanged. If you’re applying for a new loan or credit card, you must temporarily lift the freeze. We can assist with that process to make sure everything goes smoothly.

When to Consider a Credit Freeze

• You lost your wallet or personal documents.
• You’ve received notice of a data breach.
• You suspect someone is using your information.
• You want to take a proactive step to secure your credit.

Freezing your credit is free and easy to reverse, making it one of the best tools for identity protection. Our office helps clients understand when and how to use this tool to its fullest benefit.

Take Control of Your Financial Security

Identity theft can happen to anyone. Freezing your credit is the strongest defense available. Premier Legal Center, APC helps clients prevent and recover from financial fraud. Schedule a free consultation at (877) 441-4441 today. Protect your future now.