Freezing your credit is one of the simplest and most effective ways to protect yourself from identity theft and credit fraud. A credit freeze blocks lenders and creditors from accessing your credit report, which stops scammers from opening new accounts in your name. The best part? Credit freezes are completely FREE and can be done directly with all three major credit bureaus: Experian, Equifax, and TransUnion. Freezing your credit does not impact your credit score, so you can still use your exis