Contact each of the three major credit bureaus: Equifax, Experian, and TransUnion
Create or sign in to your online account with each bureau
Request a credit lock through each bureau’s security or freeze tools
Verify your identity using the required personal information
Set a PIN, password, or account credentials if required
Confirm that the lock is active on each credit report
Keep your login information secure
Unlock the report temporarily when you need to apply for credit
Relock the report after the credit application is complete
Check your account periodically to ensure the lock remains in place