Financial planning isn’t just about growing wealth—it’s also about protecting it.
In this video, we walk through one of the simplest and most effective ways to protect your financial life: freezing your credit report.
A credit freeze restricts access to your credit file, making it significantly harder for someone to open accounts or take out loans in your name without your permission. In today’s environment of frequent data breaches and identity theft, this step can provide meaningful peace of mind.
We cover how a credit freeze works, why it matters, and how to implement it across all three major credit bureaus:
- Equifax
- TransUnion
- Experian
Freezing your credit with all three bureaus is important because lenders may pull from any one of them. Leaving even one unfrozen can leave you exposed.
We also explain the difference between a credit freeze and a credit lock. A freeze is a free, federally protected right, while a lock is typically a paid product offered by credit bureaus.
You’ll also learn how to temporarily “thaw” your credit when applying for a loan, mortgage, or credit card, and why this added step is worth the protection it provides.
For families, this conversation goes even further. Identity protection isn’t just about you—it can extend to children, aging parents, and others whose financial lives are closely connected to yours.
At PYA Waltman Capital, we believe financial planning includes both opportunity and protection. Taking simple, proactive steps like freezing your credit can help safeguard your financial future and reduce unnecessary stress.
Disclosure
PYA Waltman Capital, LLC (“PYAW”) is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. More information about PYAW's investment advisory services can be found in its Form ADV Part 2, which is available upon request. Information contained within should not be construed as specific tax or investment advice. PYA-26-02
