![]() You might also want to use a credit lock as a precautionary measure if you’re worried about identity theft. You can set a credit lock using an app on your phone, an option that is not available with a credit freeze, so you can address any threat immediately. It makes sense to use a credit lock if you are worried one of your bank accounts or credit cards has been hacked because you can do so quickly and easily. It’s not as convenient, but it is free under federal law. A credit freeze isn’t implemented immediately. ![]() ![]() What is a credit freeze?Ī credit freeze, also known as a security freeze, does much the same thing a credit lock does-it blocks most access to your credit history. It is a service offered by all three major credit reporting agencies that can be accessed immediately through a mobile application or website.
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