Money How to freeze your credit: It’s free in all states after Equifax data security breach July 22, 2019July 22, 2019Janna Herron and Adam Shell, USA TODAYComments Off on How to freeze your credit: It’s free in all states after Equifax data security breach A freeze prevents lenders from pulling a person's credit report, essentially blocking fraudsters from opening a new account in that person's name.