Contact each of the three major credit bureaus: Equifax, Experian, and TransUnion
Request a credit freeze or security freeze on your credit file
Create or use your online account with each bureau
Verify your identity with the required personal information
Set a PIN or password if required
Confirm the freeze is active with each bureau
Keep your PIN or password in a secure place
Unfreeze your credit temporarily when you need to apply for credit
Re-freeze your credit after the application is complete
Consider freezing your credit for your minor child if needed
Monitor your credit reports regularly
Place a fraud alert if you suspect identity theft