Freeze your credit

A credit freeze helps stop anyone from opening new lines of credit in your name.

A credit freeze stops a thief from opening a new credit card or loan in your name. Request a freeze from each of the three credit reporting agencies, Experian, Equifax, and Transunion. There is no fee for placing a credit freeze.

A credit freeze also stops businesses from checking your credit, so you may need to temporarily lift your credit freeze before:

  • Applying for any type of loan, mortgage, or credit card
  • Applying for insurance
  • Switching or starting a new utility service or phone line
  • Applying for a job
  • Renting an apartment

How to place a credit freeze

To place a credit freeze with the major credit reporting agencies, call each agency or visit their websites. Each credit agency has specific requirements for placing a credit freeze, so review the agencies’ information first.

The credit agencies have three business days after receiving your request to place a freeze on your credit report. The credit agencies must send written confirmation to you within five business days and provide you with a personal identification number (PIN) or password that you will use to temporarily lift or remove a credit freeze.