Digital Security 101

Credit monitoring apps help track your credit score, warn you of fraud, and educate you about building credit — but not all are worth your time and money.

Credit Karma offers "free" credit monitoring and personal financial tools to millions of Americans — but it's not the only (or best) option available.

Both tools can help protect your personal information and identity. But what’s the difference and when do you choose a fraud alert vs. a credit freeze?

While there’s no one way to freeze your Social Security number (SSN), using a Self Lock or blocking electronic access can help secure it.