Seniors

This prevents anyone from checking into your credit history, or running credit checks on you - which you only need done if you are applying for a loan or a new credit card or something similar.

This is free to do, but you have to do it separately at each agency, experion, transunion, and equifax. This will not affect your use of your current credit cards or anything else. If you do need for someone to do a credit check for good reason, you can get the agencies to unfreeze it temporarily and then freeze it again. It's all free.

Search online for "freeze credit" and you'll see links to each of them with instructions - can be done online or by phone - your choice.