How to freeze your credit

image : A man with grey hair researches how to freeze your credit To help stop fraudsters from opening modern fiscal accounts in your name, you may want to consider a credit freeze, which prevents raw creditors from accessing your credit reports. It ’ s not hard to freeze your credit, but it doesn ’ deoxythymidine monophosphate happen mechanically. editorial note : Credit Karma receives compensation from third-party advertisers, but that doesn ’ thymine affect our editors ’ opinions. Our third-party advertisers don ’ deoxythymidine monophosphate follow-up, approve or endorse our column contented. It ’ randomness accurate to the best of our cognition when posted .Advertiser Disclosure

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Freezing your credit is usually easy and helps keep criminals from opening fraudulent credit accounts in your name.

here ’ s how to freeze your credit with each of the three major consumer citation chest of drawers .
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How do you freeze your credit at each bureau?

To freeze your credit, which is unlike from locking your credit, contact each of the three major consumer credit chest of drawers — Equifax, Experian and TransUnion — and request a credit freeze .
When you make the request, you ’ ll need to provide your name, address, birth date and Social Security number. You ’ ll then be asked a few questions to verify your identity and get a PIN that you can use to unfreeze and refreeze your credit report as needed.

notice that a newly federal law requires all three bureaus to offer freezes for spare as of Sept. 21, 2018, according to the Federal Trade Commission .
here ’ s how to place a credit freeze at each of the three chest of drawers .

How to do an Equifax credit freeze

You can well freeze your accredit with Equifax on their web site, or via an automatize telephone cable : 1-800-685-1111 ( 1-800-349-9960 for New York residents ). If you ’ vitamin d quite speak to a human, their customer concern number is 1-888-298-0045 .

How to do an Experian credit freeze

To freeze your credit at Experian, you can visit their on-line Freeze Center. You can besides call 1-888-EXPERIAN ( 1-888-397-3742 ) .

How to do a TransUnion credit freeze

TransUnion allows you to place a credit freeze on-line. You can besides add a freeze via the automated telephone system ( or opt to speak to a know agent ) by calling 1-888-909-8872 .

Pros and cons of freezing your credit


  • A credit freeze helps reduce your risk of identity theft, since potential new lenders can’t access your credit reports while the freeze is in place.
  • Credit freezes are free by law as of Sept. 21, 2018, while credit monitoring services can be an expense.
  • The freeze can be lifted temporarily if you need to have your credit checked.


  • You have to contact each credit bureau where you’ve frozen your credit to lift the freeze if you want to apply for a credit card, mortgage or other financial product that requires a credit check.
  • It can delay your applications for jobs, cellphone service or any other situation that requires a credit check, since you have to lift the freeze each time and it can take a few days for your credit freeze to thaw.
  • It won’t protect you in situations where criminals already have access to your accounts (like if your bank login credentials were previously stolen via hacking).

Bottom line

Freezing your citation is an effective, cost-free direction to make it harder for thieves to open up credit cards or early fiscal accounts in your appoint. It besides can reduce your chances of becoming an identity larceny victim.

But keep in judgment that it can be a harass to remove a freeze from all three bureaus every time you need a credit assay. You ’ ll want to be sure it ’ s the move you want to make .
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About the author: Emily Starbuck Gerson is a full-time freelance writer in San Antonio who’s been covering personal finance since 2007. She has written for numerous national publications and enjoys helping people make better decisions … Emily Starbuck Gerson is a full-time freelance writer in San Antonio who ’ s been covering personal finance since 2007. She has written for numerous national publications and enjoys helping people make better decisions … Read more.

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