If you have had identity theft, you may want to do a credit freeze. But be careful because if you will be applying for a loan soon, the credit freeze will create obstacles. To do a credit freeze:

1. Contact each credit bureau separately and request a credit freeze.
2. You must contact each credit bureau – Equifax, TransUnion and Experian.

The freeze will remain in place until you contact each credit bureau and ask for the freeze to be removed.