 TITLE: How to Lock Your Credit CONTENT: How Does Locking Your Credit Work?\n----------------------------------\nProcedures for setting up credit-locking services vary among the three bureaus:\n*   Experian offers credit locking as part of its CreditWorksSM Premium subscription service, which also includes:\n    *   Monthly access to updated credit reports from all three bureaus\n    *   Notifications of new credit activity at any of the three bureaus (to help detect unauthorized actions)\n    *   Up to $1 million in identity theft insurance\n    *   Phone assistance from Experian credit and fraud resolution experts\n*   Last year, as the free 12-month credit freezes it provided after its 2017 data breach were about to expire, Equifax announced that it would provide credit locks free to consumers starting this year.\n*   TransUnion includes credit locking in its free TrueIdentity subscription service, which includes monthly access to TransUnion credit reports and up to $25,000 in ID theft insurance.\nEach bureau requires proof of identity as part of its credit lock setup process. END