NEW YORK (MainStreet) — Freezing your credit is easier than ever with TransUnion. In the past, you would have to call up three agencies, verify your identity and do a little bit of paperwork. Now, with TransUnion's new app feature, it's as simple as downloading and swiping left or right to unlock and lock your credit. It's called Credit Lock, and it’s set to change the way you use credit.

Here's how it works: log in to TransUnion's app on your tablet or phone. Then, when you're in there, you can easily lock and unlock your credit without sending out paperwork or even dialing the phone. You’re already using your phone for everything else. Now you can use it to lock your credit to prevent becoming a victim of identity theft.

You're still going to have to contact the other two credit agencies the old fashioned way. However, Ken Chaplin, senior vice president of consumer brands with TransUnion believes it's only a matter of time before Experian and Equifax follow suit.

"What we offer that's different is the ability to lock and unlock your credit instantly, without a fee and without a delay," he says. "Hopefully our success will lead the other bureaus to offer similar services. That would be great for consumers.”

In fact, Chaplin points out that Credit Lock is so fast that you can unlock it to apply for a special deal on a store card. Once you’ve been approved for the new card, you can go ahead and lock your credit report again. What's more, the app will send you alerts if there are inquiries or new accounts opened in your name.

"We really heard that our customers wanted this," says Chaplin.

--Written by Nicholas Pell for MainStreet