Which will keep you most secure? 1) Credit lock 2) Credit freeze 3) Credit monitoring 4) Credit theft prevention

To determine which option will keep you most secure, it's important to understand what each one offers:<br /><br />1. **Credit Lock**: This is a service provided by credit bureaus that allows you to lock and unlock your credit report easily, often through an app or online account. It prevents lenders from accessing your credit report without your permission.<br /><br />2. **Credit Freeze**: A credit freeze is a more formal process that restricts access to your credit report, making it difficult for identity thieves to open accounts in your name. Unlike a credit lock, a freeze is governed by law and typically requires a PIN to lift.<br /><br />3. **Credit Monitoring**: This service alerts you to changes in your credit report, such as new accounts opened in your name or significant changes to your credit score. While it doesn't prevent unauthorized access, it helps you detect suspicious activity early.<br /><br />4. **Credit Theft Prevention**: This is a broader term that may include various services aimed at preventing identity theft, such as monitoring, alerts, and sometimes insurance against losses due to identity theft.<br /><br />In terms of security, a **Credit Freeze** is generally considered the most secure option because it legally restricts access to your credit report and is harder for unauthorized parties to bypass. However, combining a credit freeze with credit monitoring can provide both prevention and early detection, offering comprehensive protection.