Ryan Montgomery

trying to advertise.

It's just relevant to the story.

But people would go to NPD, like National Public Data, .pentester.com, and you can run your name.

You'll see if you're in this breach.

If you are, it doesn't cost you any money whatsoever to freeze your credit.

And we give you the instruction on how to go to TransUnion, Equifax, Experian, and freeze it.

And people think, well, if I freeze my credit, it's going to

affect my score or whatever.

It doesn't hurt your score to freeze it.

It just stops people from being able to run a soft or hard query against it.

And when you're ready to go do something that requires your credit, you just click the unfreeze button, which takes 10 seconds.

They run your credit and then you freeze it again.

And this will alleviate a ton of issues.

I mean, I don't know if your credit's frozen.

I'm hoping by the time that this episode's out, it is because- I don't have any credit.

I don't take any loans.

Okay.

Well, if you're not worried, you're not worried.

But-

Understood, understood.