When I say freeze, and freeze now, I don’t mean move to Minnesota. I’m talking about your credit.

As everyone knows, Equifax, one of the three major credit reporting agencies (CRAs), experienced one of the greatest hacks in history. It exposed millions of people’s personal information to the hackers that inhabit the “dark web,” where that information can be used to open new credit in your name that you may not even know about until it’s too late and your credit needs serious repair. ...