They both are used to prevent your personal financial data from being stolen.
Credit lock – service requires a fee and provides easy access with an app on your phone.
Credit freeze – must register with each of the credit reporting agencies separately. This is a FREE service. To Unlock a credit freeze log into your account takes about one hour – but give yourself three business days to apply for credit. You can also lock your credit card or debit card by going on to the bank website to complete the process.
Most credit cards now have a safety feature called a chip to prevent capturing your info electronically. Except for gas stations. When you get gas try to use the pump closest to the front door to the station. Skimmers are devices that fraudsters place on the ATM component to steal your information by 2021 – this should no longer be an issue of concern.
Rev. Dr. Donna Taylor is the Pastor of Andrew Chapel, United Methodist Church on the Northern Neck in Montross, VA. Rev. Dr. Taylor promotes best practices for financial literacy and financial empowerment in the church and leads workshops throughout Northern Virginia. Currently, she serves as the Chair of the District Finance Committee. In May 2015, Rev. Dr. Taylor received her Doctor of Ministry from Virginia University of Lynchburg in Lynchburg, VA. Rev. Dr. Donna Taylor is married to Dr. David Taylor, who is also the Director of our church-based free clinic. They have two adult children and three grandchildren. In her leisure time, Rev. Dr. Taylor enjoys traveling, jogging, weightlifting, swimming, yoga, and interior decorating. In May 2015, Rev. Dr. Taylor received her Doctor of Ministry from Virginia University of Lynchburg in Lynchburg, Virginia. Rev. Dr. Taylor was born and raised in New York City and recently discovered her ancestral roots in Guinea-Bissau, West Africa. Rev. Dr. Donna Taylor is married to David Taylor and they have a son and a daughter. Their daughter is a educator and son is an Active-Duty Senior Seaman in the Navy married with three children. In her leisure time, she enjoys traveling, reading, swimming, writing poetry, crocheting and spending time with her family.