You’ll be required to provide your SSN to get started. Phone: Call 88 and follow the prompts.The PIN is important for managing your freeze, so be sure to keep track of it. You can also choose to have a random number assigned to you. You’ll also be asked to create a PIN to manage your account. Online: Placing an online freeze with Experian starts with providing some personal information.Here’s how you can start the Experian credit freeze process: Once you have everything together, mail it all to: The form also notes the copies of personal documents you’ll need to provide to verify your address and identity. Mail: Print and fill out Equifax’s security freeze request form.You can also choose to have a one-time PIN sent by text message. To verify your identity, you’ll be required to answer questions based on information in your credit report. Phone: Call 88 and follow the automated prompts.Once your freeze is placed, you can also use the account to temporarily lift or permanently remove it. Online: Start the Equifax credit freeze process by creating an account.Here’s how Equifax says you can freeze your credit: But here are some basics about each bureau to get you started: How to freeze your credit with Equifax You can visit each bureau’s website for the latest information, including information about credit monitoring services. But they also have telephone and mail options, which you might need if you’re freezing someone else’s credit. It’s a great option because you can also quickly unfreeze your account that way as well. That might mean providing copies of personal documents, such as a driver’s license and a bank statement.Įach bureau lets you freeze your credit online. To freeze your credit reports, you’ll need to contact each of the three major credit bureaus: Equifax®, Experian® and TransUnion®.Įach bureau has its own process, but be prepared to share some personal information, such as your Social Security number (SSN) and birthdate. It’s worth noting that placing a credit freeze won’t affect your ability to build credit with your existing accounts and that it’s still important to pay all your bills on time. But be aware, you’ll have to unfreeze your credit if your plans change. If your personal information were to fall into the wrong hands, having a freeze in place can make it more difficult for scammers to open accounts without your permission.Įven if you don’t have any immediate concerns, you may choose to freeze your credit as a precaution- especially if you aren’t planning to open any new accounts soon. Lenders review your credit before issuing you a new line of credit or a loan. In some cases, you may also be able to freeze accounts on behalf of your children or other adults you’re responsible for. And when your account is frozen, it makes it harder for scammers to open new lines of credit in your name.Ĭredit freezes aren’t just for adults. They’re sometimes called security freezes. Credit freezes restrict access to your credit reports.
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