A credit lock is similar to a credit freeze, but it is not
government-sanctioned or regulated, and you may be charged fees. A
credit lock is a temporary tool to “lock” your credit so no one can gain
access to it. All three credit reporting agencies offer them, and you
can lock and unlock your credit on the fly using an app on your mobile
device. Typically, credit locks are bundled in with other premium
services offered by credit bureaus. They are quick and easy to use, but
again, they are not as safe
as a credit freeze, and they are
unregulated, so services may vary and not be consistent or reliable.