How do I put a freeze on my credit reports
Terry Says: Contact each of the three major credit bureaus. Go to www.Experian.com; www.TransUnion.com; and www.Equifax.com. For example, here is the exact link to the credit freeze section at Experian: https://www.experian.com/freeze/center.html Experian does not tell you how much the freeze costs until you have filled out the form completely! But, they are happy to sell you a $15.95/monthy identity protection service, which might be useful if you suspect your identity has been compromised since it also includes help resolving identity theft issues.
Otherwise a freeze will do the job, but it will cost you a small amount at each site — unless you have already been the victim of identity theft, in which case it is free. But remember, if you are going to apply for a mortgage, life insurance, a car loan, or open a new credit card account, your credit is blocked –until you pay to lift the freeze! And, while a freeze protects you against anyone opening new credit in your name, it may not protect against unauthorized use of existing cards. So keep checking your card balances online — and promptly report any suspected misuse.