![]() ![]() When submitting the request by mail, you may need to send copies - don’t send the originals - of documents to verify your identity and address, such as a government-issued ID and a utility bill. You may also need to verify your identity when creating an account or calling, which could involve answering questions about yourself - such as whether you lived at a certain address in the past or when you opened a particular credit account. The exact steps will vary slightly depending on the credit bureau, but you may need to create an online account with each bureau to request and manage your freezes online. TransUnion: Add a security freeze online, call 80 or mail a form.Experian: Add a security freeze online, call 88 or mail a form.Equifax: Add a security freeze online, call 88 or mail a form. ![]() You’ll have to add a security freeze to your credit reports at each of the credit bureaus one by one, and you can do this online, by phone or by mail. How to freeze your credit and what you’ll need And you can still check your own credit reports while they’re frozen. Spot identity theft fast: The best identity theft protection services Freezing your credit report doesn’t completely lock it downĪlthough the credit bureaus won’t release frozen credit reports to new creditors during an application, they can still share your credit reports with certain people and organizations.Ĭompanies may also be able to request your credit reports for employment purposes or to send you preapproved credit offers. But the security freeze can also stop other people from opening accounts in your name. You might have to unfreeze your reports and then fill out and resubmit the application. It can be frustrating if you’re applying for a new credit card or loan and forget to unfreeze, or “thaw”, your reports. When your credit report is frozen, the credit bureau won’t release your report and the application could be automatically denied. It can be an easy and free way to protect yourself from certain types of identity fraud.įor example, creditors often request your credit report - and a credit score - when evaluating a credit application. Equifax, TransUnion, Experian What does it mean to freeze your credit?Īdding a security freeze to your credit report, also called freezing your credit, limits who can access your credit report. ![]()
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