Freeze your reports. Opt out everywhere.
A security freeze stops new accounts from being opened in your name, and it's free by federal law. While your disputes are in progress, freezing your file at every agency below — not just the 3 you've heard of — closes the gaps identity thieves actually use. Each link goes straight to that company's own official page.
The 3 nationwide credit bureaus
Specialty consumer reporting agencies
These track everything from your banking history to your employment records — most people have never heard of them, which is exactly why they're worth locking down too.
LexisNexis Risk Solutions
Public records & insurance claims history
Manage my LexisNexis data ↗Or call 866-897-8126
Early Warning Services
Deposit & checking account history
Manage my Early Warning file ↗Or call 800-745-1560
NCTUE
Utility, phone & pay-TV payment history
Freeze requests are handled by phone.
Freeze my NCTUE file ↗Or call 866-349-5355
The Work Number (Equifax)
Employment & income verification history
Manage my Work Number data ↗Or call 866-222-5880
MIB, Inc.
Life/health/disability insurance underwriting history
A file only exists if you've applied for individually underwritten life, health, or disability insurance — this requests and disputes your record rather than opting out.
Request my MIB record ↗Or call 866-692-6901
Prescreened offers
Stop the pre-approved credit card and insurance offers that show up in your mailbox — they're a common target for mail theft and identity fraud.
OptOutPrescreen.com
Official joint-industry site (Experian, Equifax, TransUnion, Innovis)
Opt out of prescreened offers ↗Or call 1-888-567-8688