Introduction
On August 28, 2025, TransUnion confirmed a significant data breach that compromised the personal information of more than 4.4 million U.S. consumers. This included names, Social Security numbers, and dates of birth—the exact information cybercriminals need to commit identity theft.
While TransUnion is offering free monitoring services, the strongest protection you can take right now is simple, free, and effective: a credit freeze.
Why Credit Freezes Beat Credit Monitoring
- Credit Monitoring → Alerts you after suspicious activity occurs.
- Credit Freeze → Prevents fraudsters from opening accounts in your name in the first place.
With a freeze in place, lenders can’t access your credit file without your permission. This makes it much harder for identity thieves to use stolen data against you.
✅ Actionable Checklist: How to Freeze Your Credit
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Contact all three credit bureaus (Equifax, Experian, TransUnion) to initiate a freeze.
- Online or by phone — it only takes a few minutes.
- Save your PINs/passwords securely. You’ll need them to lift the freeze later.
- Freeze with Innovis and NCTUE for extra protection.
- Thaw your credit when needed. Freezes can be lifted temporarily (often instantly online).
- Check your credit reports regularly. Use annualcreditreport.com for free weekly checks.
- Stay alert for scams. Remember: no one legitimate will call asking for your PIN or freeze credentials.
Conclusion
The TransUnion breach is the latest reminder that your personal data is always at risk in the digital world. But you’re not powerless.
A credit freeze is one of the simplest and most effective defenses against identity theft. It’s free, it’s easy, and it works.
Take action today: Freeze your credit, protect your identity, and rest easier knowing you’ve locked down your most valuable financial asset—your name.