A security freeze, also known as a credit freeze, restricts access to your credit report, making it harder for identity thieves to open accounts in your name. You can place or lift a freeze for free at any time. Here's how:

How to Place a Security Freeze

You’ll need to contact each of the three major credit bureaus individually.

1. Equifax

  • Online: Visit the Equifax Freeze Service.
  • Phone: Call 1-800-349-9960.
  • Mail: Send your request to: Equifax Security Freeze
    P.O. Box 105788
    Atlanta, GA 30348-5788

2. Experian

  • Online: Visit the Experian Freeze Center.
  • Phone: Call 1-888-397-3742.
  • Mail: Send your request to: Experian Security Freeze
    P.O. Box 9554
    Allen, TX 75013

3. TransUnion

  • Online: Visit the TransUnion Freeze Page.
  • Phone: Call 1-888-909-8872.
  • Mail: Send your request to: TransUnion Consumer Solutions
    P.O. Box 2000
    Chester, PA 19016-2000

What You’ll Need to Provide

  1. Personal Information: Full name, address, date of birth, Social Security number.
  2. Identity Verification: A copy of your government-issued ID and a utility bill, bank statement, or similar document to confirm your address.
  3. Freeze PIN or Password: When you set a freeze, the bureau may issue you a PIN or password. Keep it secure, as you'll need it to lift the freeze.

How to Lift or Temporarily Thaw a Security Freeze

You can temporarily lift a freeze when you need to apply for credit or authorize someone to check your credit report.

  1. Contact the Credit Bureau(s): Use the same contact methods (online, phone, or mail).
  2. Provide Your PIN/Password: This is required to authorize the freeze lift.
  3. Specify Timeframe or Specific Party: Indicate how long you want the freeze lifted or specify the party authorized to access your report.
  4. Processing Time: Most lifts are effective within an hour if done online or by phone. Mail requests may take a few days.