The added layer of security means that thieves can’t establish new credit in your name even if they are able to obtain your personal information.įreezing your credit files has no impact whatsoever on your existing lines of credit, such as credit cards. Unfreeze: Do a temporary thaw of your Experian credit freeze online or by calling 1-88.Ī credit freeze allows you to seal your credit reports and use a personal identification number (PIN) that only you know and can use to temporarily “thaw” your credit when legitimate applications for credit and services need to be processed. When calling, press 2 then follow prompts for security freeze. When calling, press 2 and then follow prompts for security freeze.Ĭredit freezes may be done online by certified mail – return receipt requested or by calling 1-888-EXPERIAN (1-88). Unfreeze: Do a temporary thaw of your Equifax credit freeze by snail mail, online or by calling 1-80 (N.Y. Important note: With such high traffic to the website, if you can’t get your request processed, just wait about a week and try again.īy phone: 1-80 (NY residents please call 1-80)Ĭredit freezes may be done online or by certified mail – return receipt requested. Online: Visit this page to freeze your credit with Equifax. Info on freezing a child’s credit with TransUnion can be found here. Unfreeze: Do a temporary thaw of your TransUnion credit freeze online or by calling 1-88. Please note the attachments you must include.Ĭredit freezes may be done online, by phone (1-88) or by certified mail – return receipt requested. Online: Visit the Credit Freeze page hereīy mail: Request your credit freeze by certified mail using this sample letter. How to freeze your credit with all three agencies Credit freezes are one of the most effective ways for consumers to protect themselves against identity theft - and this goes for anyone at any time - regardless of whether you were impacted by this specific breach.Īnd it’s imperative that you freeze your credit with all three main credit reporting agencies: Equifax, Experian and TransUnion.īelow is a quick reference guide on how to put a freeze in place with each bureau, followed by more information on the process, how to thaw your credit and more. With Equifax’s announcement of its catastrophic security breach, now would be a really good time to consider freezing your credit, if you haven’t already.
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