Why you should freeze your credit, even if you weren’t involved in the Marriott breach

Some 500 million people may have been affected by the data breach Marriott MAR, -5.59% announced Friday, but regardless of whether you’re one of them, you should probably freeze your credit now, experts say.

“This is a perfect example of how a credit freeze can protect you and why everyone should do it today if they haven’t already,” CreditCards.com industry analyst Ted Rossman said. “It’s free, easy and effective.”

Freezing credit — or limiting outside access to your credit report — is free as of September of this year. Previously, freezing credit cost about $10 but through the Economic Growth, Regulatory Relief, and Consumer Protection Act, all three major credit bureaus — Equifax EFX, -0.13% , Experian EXPN, +0.50% and TransUnion TRU, +1.16% , now offer the service for free.

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