Freeze Your Credit on Equifax, Experian and TransUnion
A credit freeze is a free service that you can use to restrict access to your credit report. This can help protect you from identity theft, as it makes it more difficult for someone to open new accounts in your name. Freezing your credit is a simple way to protect yourself from identity theft. It is a free service that you can use at any time. If you are concerned about your identity, I recommend that you freeze your credit.
To freeze your credit, you need to contact each of the three major credit bureaus: Equifax, Experian, and TransUnion. You can do this online, by phone, or by mail.
How to Freeze Your Credit Online
- Go to the website of the credit bureau you want to freeze your credit with.
- Create an account or log in to your existing account.
- Follow the instructions to place a credit freeze.
- You will need to provide your name, address, Social Security number, and date of birth.
- You may also be asked to create a PIN or password.
How to Freeze Your Credit by Phone
- Call the credit bureau’s customer service number.
- Provide the customer service representative with your name, address, Social Security number, and date of birth.
- The customer service representative will walk you through the process of placing a credit freeze.
How to Freeze Your Credit by Mail
- Download the credit freeze form from the credit bureau’s website.
- Complete the form and mail it to the credit bureau’s address.
- You will need to provide the same information that you would provide if you were freezing your credit online or by phone.
How to Unfreeze Your Credit
To unfreeze your credit, you need to contact each of the three major credit bureaus. You can do this online, by phone, or by mail.
Tips for Freezing Your Credit
- Keep a record of the PIN or password you create for each credit bureau.
- Unfreeze your credit before you apply for a new loan or credit card.
- Refreeze your credit after you have completed your application.
- Be aware that some creditors may not be able to access your credit report if it is frozen.
Contact information for the three credit bureaus:
- Experian: 888-EXPERIAN (888–397–3742)
- TransUnion: 800–680–7289
- Equifax: 800–525–6285
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