Understand where a credit freeze fits into identity protection.
Know what a freeze does
A security freeze restricts prospective creditors’ access to your credit file and can help prevent new credit accounts from being opened in your name. It does not replace reviewing your existing accounts.
Contact each bureau separately
You can place and lift a security freeze for free with Equifax, Experian, and TransUnion. Contact each company separately. Plan ahead when applying for new credit so the lender can access your file when needed.
Build everyday habits
Use unique passwords, enable multifactor authentication where available, and review account activity. If you suspect identity theft, use the federal recovery resources at IdentityTheft.gov.
Further reading: CFPB: Credit freezes
Educational information. Individual circumstances and outcomes vary.