The tools work in similar ways to prevent fraudulent use of your credit data, so it's easy to mix them up.
Watch the video player above to find out which method is best for your situation.
All Consumer Reports material Copyright 2017 Consumer Reports, Inc. ALL RIGHTS RESERVED. Consumer Reports is a not-for-profit organization which accepts no advertising. It has no commercial relationship with any advertiser or sponsor on this site. For more information visit consumer.org.