How to Freeze Your Credit Report
Freeze your credit report with the three major credit bureaus so no one can open new accounts in your name.
Steps
- 1
Go to the Equifax website
and create an account. You need your name, address, and Social Security number.
- 2
Click "Place a freeze"
in your account settings. Follow the prompts to confirm your identity.
- 3
Repeat the same steps
on the Experian and TransUnion websites. You need a freeze at all three bureaus for full protection.
- 4
Save the PIN or password
each bureau gives you. You need this to lift the freeze later.
- 5
Confirm the freeze
by checking your account. Each bureau shows a "Freeze active" status on your profile.
Frequently Asked Questions
How long does a credit freeze last?Show
A credit freeze stays in place until you remove it. There is no expiration date.
Will a credit freeze stop me from using my credit cards?Show
No. A freeze only blocks new credit applications. Your existing cards and accounts work as normal.
How do I lift a credit freeze?Show
Sign in to each credit bureau account and use the PIN to lift the freeze. You can lift it for a specific time or permanently.
Is a credit freeze the same as a fraud alert?Show
No. A credit freeze blocks all new credit applications. A fraud alert tells lenders to verify your identity before issuing credit.
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Written by the HowToDoStuff.online editorial team. Last updated .