Experian’s service agreement, like TransUnion’s, contains an arbitration clause and a class-action waiver. Should you get a credit lock? If you want to lock your credit reports at all three ...

Equifax and TransUnion offer free credit locks, while Experian’s lock is available as part of a paid bundled service. Freezes and locks do not affect your score.

TransUnion's web page to freeze your file is like a funhouse, but no one is laughing. This door leads to a credit lock, not a freeze. This door leads to credit monitoring, but not a freeze.

Both Equifax and TransUnion have offered a way to lock reports at both agencies, at the same time, since June. Equifax charges $4.95 a month for the service and TransUnion charges $19.95 a month .

When I unfroze my credit with TransUnion last December, the receipt included this post script: “With TransUnion Credit Monitoring, you can lock and unlock your TransUnion & Equifax credit reports.

It’s similar to Lock & Alert — allowing real-time control of your credit report — but it also includes free monitoring and free access to your TransUnion credit report. Experian does not ...

Equifax is offering all consumers a free credit freeze only through Jan. 31, after which it will be replaced by the free lifetime lock. But a lock is not the same as a freeze.

The nationwide credit-reporting agencies -- Experian, Equifax and TransUnion -- give consumers several options for restricting access to their credit data, including a credit lock and credit freeze.

CNBC Select dives into the $23 million settlement TransUnion agreed to after plaintiffs accused it of failing to remove invalid credit inquiries.

Thanks to large data breaches in recent years, both credit freezes and credit locks are gaining in popularity. Both tools stop lenders from accessing your credit information and can be removed and ...

Equifax has made good on its promise of free, lifelong credit locks following last year’s massive data breach. The reception to its new “Lock & Alert” feature — which lets users simply ...