How To Freeze and Unfreeze Credit Reports
- July 15, 2024
- Credit Reports
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Why Freeze Your Credit Reports?
According to the Identity Theft Research Center (ITRC), there was a 72% increase of recorded data breaches in 2022 compared to 2023. A credit freeze would make your credit report inaccessible to lenders if your identity is stolen during a data breach.
When you freeze your credit report, creditors and lenders can’t pull your credit report or credit score. That means no one, including you, can apply for credit until you unfreeze your credit reports.
While a credit freeze is not guaranteed, it does provide some security between your credit reports and a potential identity thief.
Since most banks and lenders require a credit check, an application for credit cards, loans, mortgages, bank accounts, and any other account requiring a credit report would likely be denied.
How to Freeze Your Experian Credit Report
Experian credit freeze can be done in several ways:
- Online at: Experian Freeze Your Experian Credit Report
- Telephone Experian: 1-888-397-3742
- Mail: Experian Security Freeze PO. Box 9554 Allen, TX 75013
How to Freeze Your Transunion Credit Report
Transunion credit freeze can be done in several ways:
- Online at: TransUnion Freeze Your TransUnion Credit Report
- Telephone Transunion: 1-888-909-8872
- Mail: TransUnion LLC P.O. Box 2000 Chester, PA 19022-2000
How to Freeze Your Equifax Credit Report
Equifax credit freeze can be done in several ways:
- Online at: Equifax Freeze Your Equifax Credit Report
- Telephone Equifax: 1-800-685-1111 (NY residents 1-800-349-9960)
- Mail: Equifax Security Freeze PO. Box 105788 Atlanta, Georgia 30348
How to Remove a Credit Freeze?
A credit freeze remains in place until you ask the credit bureau to temporarily lift it or remove the credit freeze altogether.
There is no charge to freeze or unfreeze your credit reports. You’ll simply go online to each credit bureau where you’ve placed a freeze and select to unfreeze your reports temporarily or permanently.
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