You freeze. It sucks that it's the only option, but it's the only option right now. The only way someone can open a new bank account, credit card or loan in yo

You freeze. It sucks that it's the only option, but it's the only option right now. The only way someone can open a new bank account, credit card or loan in your name under the freeze is if they A) have the credit-bureau-specific PIN to lift the freeze, or B) the account was somehow opened without doing any kind of credit check.