scorenerds.com Blog
Credit Freeze vs. Credit Lock in 2026: Which Actually Protects You?
Both block new account fraud, but the legal protections are wildly different. Here's the data-driven comparison of credit freezes vs. credit locks — costs, speed, coverage, and when to use each.
3/22/2026
Adrian Nguyen
Identity Theft Protection Guide 2026: What the Data Actually Says
Over 1.1 million identity theft reports filed in 2024 alone, with losses topping $12.5 billion. Here's the data-driven guide to protecting your credit, freezing your files, and recovering if the worst happens.
3/22/2026
Adrian Nguyen
How to Protect Your Credit from Identity Theft in 2026
Fraud losses hit $12.5B in 2024 and are still climbing. Here's the layered defense strategy — freezes, monitoring, detection, and response — backed by data from the FTC, ITRC, and credit bureaus.
3/22/2026
Adrian Nguyen
Synthetic Identity Fraud: The Multi-Billion-Dollar Threat You Haven't Heard Of
Criminals are building fake identities using real SSNs — with losses potentially reaching $23-35 billion annually. Up to 80% of new account fraud is now synthetic. Here's how it works, why monitoring misses it, and how to protect yourself.
3/22/2026
Adrian Nguyen