There's also info on each CRA's site about freezes. There may be stickies with info as well.
@ShootingForTheStarsOr800 wrote:
Is there any benefits to freezing a report? When should you or should you not do so?
Freezing prevents unauthorized pulls of your credit though creditors with an existing relationship can continue to soft pull even with a freeze in place. There are different reasons why one may want to put freezes in place. Fraud prevention is one. Some do this even if they have not experienced fraud. Some do this as a result of fraud -- though others may use a fraud alert instead. There are some who use freezes as a deterrent to keep the individual from applying for new credit since a freeze would have to be lifted in order to allow a creditor to perform the hard pull.
It's up to you to determine if you should or not. Not everyone uses them.
@ShootingForTheStarsOr800 wrote:
How does one do so?
You place a freeze directly with each CRA.
