Need to Freeze Your Credit Report?
Freezing your credit report can help stop new accounts from being opened in your name. If you are dealing with fraud, identity theft, or suspicious activity, we can help you understand what to do next.
What Does Freezing Your Credit Report Do?
A credit freeze limits access to your credit file. This can make it harder for someone to open a new credit account in your name because most lenders need to review your credit before approving new credit. A freeze does not affect your credit score.
You Must Freeze All Three Credit Reports
Freezing one credit report does not automatically freeze the others. You need to contact Equifax, Experian, and TransUnion separately if you want all three reports frozen. Placing and lifting a freeze is free.
When Should You Consider a Credit Freeze?
A credit freeze may be useful if your Social Security number or personal information has been exposed, you believe someone may be trying to open accounts in your name, you have been a victim of identity theft, you received a suspicious fraud alert, or you simply want additional protection against new-account fraud.
Can You Still Use Your Existing Credit Cards?
Yes. A credit freeze is designed to restrict access to your credit file for new credit applications. It does not close your existing accounts or stop you from using credit cards you already have.
What If You Need to Apply for Credit?
You can temporarily lift the freeze when you need a lender to check your credit. If you know which credit bureau the lender will use, you may only need to lift the freeze with that bureau. You can freeze it again afterward.
How Long Does a Credit Freeze Last?
A credit freeze stays in place until you remove or lift it. It does not automatically expire.
Need Help Freezing Your Credit Reports?
If you are not sure how to freeze your reports with Equifax, Experian, and TransUnion, call us at 800-518-1077.
We can help you understand the steps and what to do if you need to temporarily lift a freeze later.
Reviewed by Tina Kayhan, President of TheCreditBureau.com, with more than 30 years of experience in credit reporting, identity protection, and consumer credit services.