To “lock” your credit report means putting a fraud alert. A 90-day security alert gives you time to verify if you are a victim of fraud. If you determine you are a fraud victim, you may add a 7-year victim statement to your credit report.
Experian Fraud Alert 1-888-397-3742
Equifax Fraud Alert 1-800-525-6285
Trans Union Fraud Alert 1-800-680-7289