To Freeze or Not to Freeze? 

What is a credit freeze, and should you do it?

A credit freeze restricts access to your credit report which can protect you from identity theft or prevent fraudulent use of your personal information if it was stolen.

I’ve included a nice article from Raymond James about a credit freeze.  Start at the bottom of the article and read the pros & cons. The freeze can create some inconveniences, but it can be helpful in the right cases. If you decide to proceed, the top of the article shows you how to freeze your credit. 

https://www.raymondjames.com/commentary-and-insights/family-life-events/2023/01/03/what-you-need-to-know-about-freezing-your-creditMany clients are still hanging onto an aging car in hopes that prices will finally become more reasonable.  Car prices fell significantly in December, and it appears they have further to fall in 2023.