How To Lock Your Credit – What It Means And Why You Should Consider It


Fraudulent claims on loans and leases are the fastest-growing kind of identity theft in the United States.

Locking your credit is a preventative measure you can take to prevent any person or agency  from accessing your individual information.

You will need to request locks for each credit report to prevent all credit checks as you navigate your way through, avoiding  identity theft.

Experian offers a program called ‘CreditWorks’ that has a credit lock available and provides monthly access to all three of your  credit reports.

Equifax has a program called ‘Lock and Alert,’ which is free to activate and use.

TransUnion offers credit monitoring bundles along with its TrueIdentity subscription with a credit lock option.

Monitoring your credit regularly and setting up fraud alerts for yourself are the first lines of defense for data safety.