what is the best credit freeze or credit lock an do thay work?

Answer 1

Generally you cannot put a fraud alert on your reports unless you are a victim of ID theft.

If your state allows it, you may be able to place a freeze on your reports without being an ID theft victim.

With either the fraud alert or the freeze, your current creditors can still access your reports. That would also include any collector that may have one of your accounts

Fraud alerts and freezes would stop promotional pulls from other companies that you do not currently have accounts with.

It would also would keep a creditor from pulling your report when you apply for credit.
For example, if Trans Union is your worst report, out of the 3, and you decide to place a freeze on TU. Then you apply for credit with Juniper (who generally pulls TU), Juny would not be able to pull TU, so they may either deny you because they cannot pull the report or they may pull a different report

You would have a few choices, you could order a current TU report and send it to Juny, you could do a temp thaw on TU to allow Juny to pull or you could request that Juny pull a report from EX or EQ.

If you think you may become an ID theft victim, lost your drivers license, etc, then freezing all of your reports may be worth it.

You might do some reading on the FTC link I have provided.
The FTC has also placed a link on that page so you can check your states laws on freezing.