Contact each of the three major credit bureaus: Equifax, Experian, and TransUnion
Create an account with each bureau if required
Request a credit freeze online, by phone, or by mail
Provide your name, address, date of birth, Social Security number, and other requested identification details
Save the PIN, password, or confirmation number provided by each bureau
Freeze your credit with all three bureaus separately
Keep the freeze in place until you need to lift or remove it
Unfreeze or temporarily lift the freeze when applying for credit, loans, or new accounts
Re-freeze your credit after the application process is complete
Consider freezing your credit for your spouse or children if applicable and allowed
Monitor your credit reports and accounts regularly