Credit locks are an easy way to safeguard your credit information. Learn how a credit lock works and how to use one to protect your credit reports and your identity.
Key Points ; A credit freeze prevents hackers from opening new credit accounts in your name (such as a loan, credit card, or line of credit). ; You can freeze your credit online, via phone, or through the mail with all three main credit bureaus. It’s free, and won’t impact your credit score. ; You can unfreeze your credit temporarily or permanently, but you’ll need to plan ahead.
Credit freezes and locks both protect your credit from unauthorized access. Freezes are free but locks may have fees. Here’s when to use a credit freeze vs. lock.
A credit lock may be able to help protect your information from identity theft. Here’s how to lock your credit at the three credit bureaus.
A credit report lock and a security freeze both generally prevent access to your Equifax credit report to open new credit accounts, but they aren't the same thing. Learn more.
A credit freeze and a credit lock limit access to your credit report and prevent anyone from opening a credit account in your name. However, there are some key differences between the two....
The risk of theft from credit and bank cards increases around the holiday. Here's how to prevent hackers and fraudsters from stealing your money and ID.
Using a credit card lock is an excellent solution if your credit card is lost, stolen or misplaced. Learn more about the credit card lock benefit, how to use it and which credit cards offer it.
Learn how to remove some inquiries from your credit report if you can show that you didn't authorize the inquiry. Letter template included!
A credit freeze stops certain third parties from accessing your credit report. Learn how to freeze your credit to protect your identity.