Prevent identity thieves from opening a credit card in your name: freeze your credit. I tell my friends with young adults to freeze their accounts, too. It’s free and easy to unlock your credit when you’re ready. Here’s how:

Call or go online to any of these credit reporting agency companies

• Equifax: 1-800-349-9960
• Experian: 1-888-397-3742
• TransUnion: 1-800-916-8800

You’ll Need:

• Driver’s license or government-issued ID
• Social Security Number
• Pay stubs, tax forms, utility bills or a lease agreement

Your future self thanks you.