How to Freeze Your Credit in 3 Easy Steps
Freezing your credit is one of the best ways to protect yourself from identity theft and fraud. By restricting access to your credit report, you can prevent criminals from opening new accounts in your name. Here’s how to freeze your credit in just a few simple steps:
1. Contact Each Credit Bureau Individually
You’ll need to freeze your credit with each of the three major credit bureaus – Equifax, Experian, and TransUnion. You can do this online, by phone, or by mail:
Equifax: Visit their website or call 800-349-9960
Experian: Go to their website or call 888‐397‐3742
TransUnion: Use their online form or call 888-909-8872
When contacting the bureaus, be prepared to provide your:
- Social Security number
- Date of birth
- Address
- Copy of your driver’s license or other ID
2. Freeze Your Credit for Free
Placing a credit freeze is completely free. The bureaus must complete your request within:
- 1 business day if you request it online or by phone
- 3 business days if you request it by mail
3. Lift the Freeze When Needed
You can temporarily lift the freeze whenever you need to apply for new credit, such as:
- Opening a new credit card
- Renting an apartment
- Getting a cell phone plan
- Applying for a mortgage or car loan
To lift the freeze, simply contact the bureaus again and request a temporary thaw. This can be done online or by phone and must be completed within 1 hour. You can specify how long you want the freeze lifted for, such as 1 day or 1 week.
Freezing your credit is a quick and easy way to protect yourself from identity theft. By taking these three simple steps, you can restrict access to your credit report and give yourself valuable peace of mind. If you suspect you’ve been the victim of identity theft, freezing your credit should be your first line of defense.
