In the wake of he Equifax disaster and the very real possibility that your personal financial info is posted on the dark web, here's how to FREEZE YOUR CREDIT, which many financial experts are suggesting we do to protect ourselves. It comes with many issues and at some cost to you. You will have to decide the risk of freezing credit or hiring a credit monitoring firm or doing nothing. Check the link about contacting your Oregon State Rep asking that this service be made free for Oregonians.