Locking your credit is one of the best ways to protect yourself from identity theft and fraud. Unlike credit monitoring, which alerts you after suspicious activity occurs, blocking unauthorized access before it happens. This proactive step gives you control over your financial security.

When you freeze your credit, you prevent fraudsters from opening accounts, taking out loans, or making large purchases in your name. While credit monitoring informs you after a breach, locking your credit stops the problem before it starts.

Yes, unlocking your credit takes an extra step when making major purchases, but that’s just a small inconvenience compared to year-round protection. Locking your credit with all three major bureaus is a simple way to keep your financial identity safe in a world where data breaches are common. Instead of reacting to threats, take charge and prevent them before they even begin.

Current URLs for the three credit agencies:

Equifax Credit Freeze

TransUnion Credit Freeze

Experian Credit Freeze