Whenever there’s a data breach in the news—and ugh, it seems like lately there’s always a breach—people’s responses seem to fall into one of two camps: Some know exactly what to do to neutralize any potential risk (or have a financial advisor on speed dial), and the rest of us shrug, maybe change a password or two and then go about our day.
But it turns out there’s a very specific, concrete way to protect yourself, and you don’t have to be a finance genius to understand it: a credit freeze. We spoke Dana Marineau, VP and financial advocate at Credit Karma (a personal finance site that offers, among other things, free credit reports), to find out exactly what that entails—and how to figure out whether it’s something you should consider.