Denzel is saving to buy a house and knows he needs a good credit score to qualify for a low-rate mortgage. He has been regularly checking his credit score.How can Denzel protect himself from identity theft?

A credit freeze restricts access to Denzel’s credit reports, making it harder for someone else to open accounts in his name. He can place a freeze with each of the three credit bureaus. Checking his score more often does not prevent identity theft, and unsolicited mortgage emails or texts may be scams. Simply throwing away credit-card offers does not reliably protect his identity.

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