how-to-freeze-and-un-freeze-a-credit-file

How to freeze and un-freeze a credit file

Since the recent Equifax data breach, many data security experts are recommending that consumers freeze their credit. You’ll want to freeze your credit with each of the three agencies: Equifax, Experian an TransUnion. Putting a freeze on your credit will protect you from identity theft if someone has obtained your personal information.

Freezing your credit files has no impact on your existing lines of credit, such as credit cards. You can continue to use them as you regularly would even when your credit is frozen. You can remove the freeze at any time using a secure PIN that you set up to allow potential lenders to access your credit report if you’re looking to buy a new home, car or open a credit card.

Detailed instructions: How to freeze and thaw your credit with each agency

Equifax

This can be done online or by certified mail – return receipt requested to Equifax Security Freeze/ P.O. Box 105788 / Atlanta, Georgia 30348. Check your state’s listing for the exact cost.

Unfreeze: Do a temporary thaw of your Equifax credit freeze by snail mail, online or by calling 1-800-685-1111 (N.Y. residents dial 1-800-349-9960).

Experian

Credit freezes may be done online; by certified mail – return receipt requested to Experian/P.O. Box 9554/Allen, TX 75013; or by calling 1-888-EXPERIAN (1-888-397-3742). When calling, press 2 then follow prompts for security freeze. Check your state’s listing for the exact cost.

Unfreeze: Do a temporary thaw of your Experian credit freeze online or by calling 1-888-397-3742.

TransUnion

Credit freezes may be done online, by phone (1-888-909-8872) or by certified mail – return receipt requested to to TransUnion/Fraud Victim Assistance Department/P.O. Box 6790/Fullerton, CA 92834. Check your state’s listing for the exact cost.

Unfreeze: Do a temporary thaw of your TransUnion credit freeze online or by calling 1-888-909-8872.

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