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  "publishedAt": "2026-05-23T18:57:56.000Z",
  "site": "https://upstract.com",
  "textContent": "Credit freezes have been free at Equifax, Experian and TransUnion since 2018. They are built to block one of the most common forms of identity fraud: new credit applications opened in your name. But the latest numbers show why a freeze cannot be your only line of defense. Javelin Strategy &…",
  "title": "You have a credit freeze. It still isn’t enough"
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