Certain states allow individuals to implement a security or identity "freeze" that completely locks, or freezes, access to your consumer credit report and credit score. With a credit freeze, a business will not issue new credit to anyone in your name - including you, unless you unlock your file. When you want to access your own credit, you will need to formally unlock access to the credit file. Certain fees may apply.

Once you become a member, LifeLock's services begin before identity theft occurs. LifeLock places fraud alert requests at the three credit bureaus and automatically renews the requests every 90 days. It does not freeze your credit, rather; it safeguards your credit from unauthorized use.