VIDEO-If you have a credit report, there’s a good chance that you’re one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nation’s three major credit agencies. Dr. Perrodin explains that the agencies are not extensions of the government and how locking credit now is a solid option (in his opinion), but can also cost you hundreds of dollars annually if you are a new graduate seeking employment, a car loan and a rental lease or mortgage.