	Credit freeze	Credit lock
Cost	• Free at each bureau	• TransUnion: Free (under TrueIdentity brand) • Equifax: Free • Experian: first 30 days free, then $9.99 per month for a service that includes credit lock; no stand-alone lock available
When to use it	• When you believe your credit report and personal data have been exposed. • NerdWallet recommends freezes for most consumers, because the risk of exposure is high.	As a preventive measure to guard your credit report and personal data