Contact each major credit bureau: Equifax, Experian, and TransUnion
Request a credit freeze on your file
Create or use your online account with each bureau
Verify your identity as required by each bureau
Save your PIN, password, or recovery information
Lock any additional credit files if applicable, such as ChexSystems or Innovis
Temporarily lift the freeze when you need to apply for credit
Re-freeze your credit after the application is complete
Keep track of any fraud alerts or security measures already on your file