Gather your personal information
Contact each of the three major credit bureaus
Request a credit freeze online, by phone, or by mail
Create and save your PIN or password
Freeze your credit with Equifax
Freeze your credit with Experian
Freeze your credit with TransUnion
Freeze your credit with any other credit bureaus you use
Keep your freeze confirmation details in a safe place
Lift or remove the freeze when you need to apply for credit
Monitor your credit reports regularly