If you aren’t opening a new credit card or applying for a loan, you may consider freezing your credit.
Freezing your credit can help prevent unauthorized access to your credit reports and may reduce your chances of becoming a victim of identity theft since your credit report cannot be accessed. You can add and remove a credit freeze as needed.
If you want to freeze your credit, you should contact each of the three major credit bureaus (Experian, TransUnion, and Equifax) and follow their prescribed processes.