When it comes to protecting credit card information, it’s better to be safe than sorry. With a myriad of options for safeguarding your identity, it might be difficult to choose what’s best. 

University of Michigan School of Information associate professor Florian Schaub, an expert on privacy and security, says every consumer should have a credit freeze in place.

“You wouldn't have that information lying around outside on your lawn or posted to the outside of your apartment door," Schaub says. "So it's good practice to just lock it down and make sure this can't be accessed unless you're actually engaging in a transaction that requires creditworthiness."

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Read “Fraud Alert vs. Credit Freeze: Which Is the Right Choice?” at U.S. News and World Reports. 

Learn more about Florian Schaub by visiting his UMSI faculty profile.