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To freeze your credit, you'll need to contact each of the three major credit bureaus individually.

Student loan balances also grew by $9 billion last quarter, but the pause on student loan repayments during the pandemic also postponed missed payment reports to credit bureaus.

An example would be when the credit bureau knows a consumer has filed for bankruptcy, which halts the collection of debts.

In a 5-4 decision involving the credit bureau TransUnion in 2021, the court declared that it is not enough for a plaintiff to sue over a defendant’s violation of a federal statute.

The steps recommended by National Public Data include checking your financial accounts for unauthorized activity and placing a free fraud alert on your accounts at the three major credit bureaus, Equifax, Experian and TransUnion.