Putting a Freeze on Credit Files

In the wake of the Equifax breach, many people have explored options on additional security and damage control. Putting a security freeze is a step above fraud alerts and can prevent thieves from getting credit in a victim's name, even if they have their social security number. For those under 65 years of age, putting a credit freeze costs $10 (so a total of $30 for all three major credit bureaus). Freezes can be requested by mail or online, and the bureaus must place the freeze within three business days of receiving the message. A PIN from each bureau will be given out in case one wants to lift the freeze, and the cost of a date-range or specific creditor lift is $10 ($5 for seniors aged 65 or older).

- How to "Freeze" Your Credit Files (State of California Department of Justice)

- Watch Leo Laporte explain Credit Freezes on Episode 1420 of The Tech Guy (YouTube)