[goodnesswins]

Did you know if you freeze your credit...there are now four (4) agencies where you have to do it?

[EvelynMcHale]

I didn’t know this. What’s the fourth? I keep my credit file frozen/locked with the three that I’m aware of.

[woodbutcher1963]

Yes, when I did it there were four agencies.

Google AI says:

The four major credit bureaus in the U.S. are
Equifax, Experian, TransUnion, and Innovis.

One required I send them a letter via US mail. They then sent a letter back to keep when I want to unfreeze my credit with the code number.
Their version of multi factor authenticfication