Rather than waiting until your Identity is stolen and used to rack up loans and charges you can prevent most loans and credit cards from being opened in the first place. Since most credit is issued only after a credit check is completed you can stop the credit check from taking place without your permission.

We have heard about freezing your credit information at all 3 credit reporting agencies once your identity has been stolen. Florida law requires that the agencies allow you to freeze your information now before anyone attempts to fraudulently obtain credit in your name.

It costs $10 per credit reporting agency to freeze your credit information. Note: It will also cost $10 every time you need to unfreeze the information when applying for credit, changing employment or changing land lords. It can also take up to 3 business days to unfreeze your credit information.

Below are the steps I found for Florida residents to freeze their credit report information, broken down by Credit Reporting Agency: