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Here's your money briefing from Monday September 9th.

I'm J.R. W Wayland for the Wall Street Journal.

Identity theft can destroy your credit and take months to resolve.

In a majority of all identity fraud reports in the second quarter of 2024 were tied to fraudsters opening new accounts in someone else's name.

One way to stay ahead of the bad guys is to freeze your credit.

If you already have a line of credit, like a credit card that's already open,

you can continue to use that credit card.

You can even have your credit limit increased.

So your existing creditors can still have access to your file if they

want to evaluate your account for a higher limit or potentially reduce that limit.

We'll talk to Wall Street Journal Personal Finance reporter Amani Mois after the break.

With Ecolab's science certified, we take cleaning off your plate so you can focus on what's most important to your restaurant, your guests, and having them switch from giving your restaurant a go to spot.

Ecolab Science Certified, Count on a Scientific clean.

Learn more at Sciencecertified.com. A simple free way to protect your credit from identity theft is to freeze your accounts.

Wall Street Journal Personal Finance reporter Amani Moise joins me.

Imani, when somebody freezes their credit, what exactly is frozen?

So what a credit freeze means is that no one could access your credit report for the purpose of

extending you alone. If you are shopping for a car, for example,

the dealership won't be able to see your credit score, but nothing else is frozen. So you could still

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