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Learning to be content where life and God have placed her Cathy has learned to be thrifty and enjoy life...Read more >>
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How To Lock Your Credit Without Paying A Service PDF Print E-mail

lockA simple Google search on “Credit Lock” will bring up several companies willing to help you lock your credit to prevent identity thieves from being able to open accounts in your name.  These services range from $9.95 to 19.95 a month.  At least one of these companies is honest stating that your life is too busy to be concerned with and having to remember to take all the steps to keep your credit locked.  Locking your credit involves looking up your state’s regulations, then following these prescribed steps.


You may desire the safety of locking your credit, but do not know where to look to find “how to” information.  Here are some simple resources to help you:

A Fraud Alert can be activated by any consumer in the United States.

Here is an excellent article from the federal Trade Commission that gives an overview which includes how to activate a Fraud Alert:


Also from the federal Trade Commission - how to extend Fraud Alerts and initiate a Credit Freeze

Second, the has compiled all the state laws that allow you to activate a Security Freeze in a simple to read document.  Take a look here for a guide to locking your credit:

Remember that if you lock your credit there are some drawbacks.  You will likely have to give advanced notice to unlock it.  For some states there is a cost associated with both locking and unlocking this credit.  You will not be able to instantly get a credit card.

However, the advantages should far outweigh the disadvantages.  Don’t spend $100 a year for this service.  Spend a few minutes and save by doing this yourself.

Do you have comments or ideas about credit locking?  Comment below.

Mark Strohm -

Mark Strohm has served a Christian School principal, Children's pastor, seminar speaker and adjunct professor.


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#1 Nick 2011-10-16 18:16
Chis and Christy. Check this out I will keep looking. But if memmory serves You can do the blocking through the Credit Companies and there is a free way to do it. Don't pay them. Bob Lee

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