A new law allows people to freeze their credit at no cost.  Freezing credit prevents lenders from accessing a person’s credit report.  Since pulling credit is a key part of the approval process for credit cards, mortgages, car loans and the like a freeze can be an effective measure against fraud.

Freezing credit is easy:

Equifax:  https://www.equifax.com/personal/credit-report-services/

Experian:  https://www.experian.com/freeze/center.html

TransUnion:  https://www.transunion.com/credit-freeze