Request a credit report security freeze

There are three credit reporting bureaus: Equifax, Experian, and TransUnion. The quickest way to activate a freeze on your credit file is to call each bureau or create an online account with each that allows you to manage your credit freezes. See phone and web site information below.

Each credit reporting bureau has its own process and documentation requirements for requesting a credit freeze by mail. When requesting a credit freeze by mail, you may be asked to fill out a form and provide personal information such as:

• Your full name, address, Social Security number, and date of birth
• Addresses where you lived in previous years
• Proof of current address such as a utility or phone bill
• A photocopy of a government issued identification card like a driver's license
• A copy of the police report, investigative report, or complaint, if you are an identity theft victim

What does it cost to freeze my credit files?

It is free to place, temporarily lift, or remove a security freeze.

How long does it take for a security freeze to go into effect?

When using an online account to manage your security freezes, the results are quick and almost in real-time. Each credit reporting bureau has its own information regarding process and timing for freezes requested by mail or phone.

Who can see my credit file if it is frozen?

When you have a security freeze on your credit file, your report can still be released to your existing creditors or to collection agencies acting on their behalf, as well as new creditors who may make offers of credit. Government agencies may also access your credit file in response to court or administrative orders, a subpoena, or a search warrant.

How do I lift the security freeze to allow a specific entity or individual access my credit report?

Call or login to your account at each credit reporting bureau for instructions on how to allow temporary access to your credit file during a freeze. 

How do I remove a security freeze?

Call or login to your account at each credit reporting bureau for instructions on how to remove a security freeze.