7 Free Ways to Protect Your Family from Identity Theft — Key Takeaways
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7 Free Ways to Protect Your Family from Identity Theft
Abraham's Wallet44mJul 29, 2026
Watch the originalFreezing your credit at all three bureaus (Equifax, Experian, TransUnion) is free, takes ~10 minutes each, and blocks new fraudulent accounts more effectively than any paid monitoring service.
Key takeaways
Credit freeze at all 3 bureaus is free, takes 30 min, and blocks new accounts entirely
Credit freeze at all 3 bureaus is free, takes 30 min, and blocks new accounts entirely
- Paid monitoring services only alert you after fraud occurs; a freeze prevents it from happening at all.
- Unfreeze is faster than freezing — no barrier to legitimate credit applications when needed.
Free IRS Identity Protection PIN stops fraudulent tax returns filed in your name
Free IRS Identity Protection PIN stops fraudulent tax returns filed in your name
- A client had a fake return filed and a refund sent before they knew — the PIN prevents this entirely.
- Available free at IRS.gov; without it, tax identity fraud is common and painful to unwind.
All recommended identity protections are free — paid services duplicate what you can do yourself
All recommended identity protections are free — paid services duplicate what you can do yourself
- Credit freeze, IRS PIN, title alert, annualcreditreport.com monitoring, and optoutprescreen.com cost nothing.
- Paid services like those Ramsey recommends typically only monitor and alert — they don't block fraud.
This Dig holds 2 more insights, 4 flashcards, and 3 quotes — free in Homestake.
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In this video
- 1mHot Summer Travel
- 4mWhy this matters
- 7mMark’s Personal Experience
- 10mFreeze Your Credit
- 15mBuilding Credit
- 23mLock Down Your Accounts
- 28mIRS Identify Protection PIN
- 29mHome Title Fraud
- 32mAnnual Credit Report
- 34mOpt Out of PreScreened Credit Card Offers
- 35mGet a Shredder
- 37mWhat To Do If Your Credit Is Stolen
- 41mRecap
“A good name is more desirable than great riches. And to be esteemed is better than silver or gold.”
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