How to freeze your credit (and why you should)
A credit freeze is free and stops criminals opening accounts in your name. Here is how to set one up with Equifax, Experian and TransUnion.
By Lena Hart · Published · Updated · 4 min read
After a data breach that exposes your Social Security number, a credit freeze is the single most effective step you can take. It is free in the US and takes about 15 minutes.
What a credit freeze does
A freeze stops lenders from seeing your credit report, so criminals cannot open new loans, cards or phone contracts in your name. It does not affect your credit score or your existing accounts.
Since 2018, federal law has made freezing and unfreezing your credit free at all three bureaus, according to the FTC.
How to freeze your credit
You need to freeze at each of the three bureaus separately:
| Bureau | Where to freeze |
|---|---|
| Equifax | equifax.com/personal/credit-report-services |
| Experian | experian.com/freeze |
| TransUnion | transunion.com/credit-freeze |
- Create an account with each bureau.
- Verify your identity.
- Request the freeze. It takes effect within a day online.
- Save your login or PIN — you will need it to lift the freeze.
When you need credit
Before applying for a loan or card, "thaw" your freeze temporarily at the bureau the lender uses. Online thaws usually take effect within an hour.
Freeze vs fraud alert
A fraud alert asks lenders to verify your identity but does not block access. A freeze is stronger. You can have both.
Outside the US
In the UK, use CIFAS Protective Registration. In other countries, check with your national credit agencies.
