credit report freeze np. if you need to add an account just unfreeze, open account, refreeze. one click they hide behind multiple subscription offers. ignore. it’s free to lock/unlock your file at will.

three bookmarks;

https://www.experian.com/freeze/center.html

https://lockandalert.equifax.com/member-center/portal

https://www.transunion.com/credit-freeze

got an email about ssn found on dark web so went and checked credit statuses. frozen for years, since last time i needed a loan.