FullSail: Freezing Credit: contact all 3 major credit agencies tell them you wish to freeze your credit.. That means no one can use the credit to make large purchases, or open credit cards, mortgages, loans, etc etc. without YOUR permission.

SassyD: To begin the process of placing a freeze on your credit report, contact the three major credit reporting companies by phone, and be prepared to provide your name, address, date of birth, and Social Security number.

Experts recommend contacting these companies by phone, as initiating a credit freeze online can make your personal information more vulnerable to identity theft.

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