Know the difference: freeze and fraud alert

A security freeze restricts access to your credit file for many new-credit checks. Place or lift a freeze with each bureau. A fraud alert tells businesses to take steps to verify identity. Neither removes existing information nor replaces reviewing your accounts.

If you suspect identity theft

Visit IdentityTheft.gov for an official recovery plan. Contact affected institutions using verified contact details. Do not submit a false identity-theft report to challenge an account you actually opened.

Recognize misleading promises

Be wary of guaranteed score jumps, guaranteed deletions, “new credit identity” offers, instructions to lie, or pressure to stop paying current obligations. No template has special power to erase truthful, current information.

Keep documents private

Use secure storage and the recipient’s official submission channel. Do not post reports, full account numbers, Social Security numbers, or identity documents in public comments or send them to an unfamiliar advertiser.

Read more: FTC IdentityTheft.gov ↗
Content reviewed October 25, 2026. Check the source for current details.

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Practice: verify the destination before sharing

A message says an unfamiliar account can be removed if you upload a report and ID immediately. Stop and independently locate the official company or government resource. Urgency, a familiar logo, and a promise of deletion don't establish legitimacy.

Your next action

List the official report source and affected institutions in your private records. Keep identity documents out of public comments and unverified messaging channels.

Check your understanding: Does a freeze erase existing debts?

No. It restricts certain access for new credit; it doesn't change existing account history or settle obligations.

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