There is the straight to spot or raise a credit freeze at no cost. A freeze can be placed by you all on your own credit files as well as on those of the young ones age 16 or younger.
Put a Credit Freeze
Contact each credit agency that is reporting put a freeze in your credit history. Each agency accepts freeze demands online, by phone, or by snail mail.
ExperianOnline: Experian Freeze Centermobile: 1-888-397-3742By mail, compose to:Experian safety FreezePO Box 9554Allen, TX 75013