@peggynurse Best to freeze at all 3 agencies. If you ever need to open one or more to verify your credit for any reason, ( mortgage, loan, opening a credit card) call their 800 number and make the request via their automated prompts. Notify the entity requiring your credit history that they may proceed. Minutes later, you can freeze your records again. You are asked how long you want your account opened and when you want it re-frozen.