How to freeze your credit with the 3 credit reporting agencies

EQUIFAX CREDIT FREEZE

  • Credit freezes may be done online or by certified mail – return receipt requested.
  • Check your state’s listing for the exact cost of your credit freeze and to see if there is a reduction in cost if you are a senior citizen.
  • Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.
  • If your PIN is late arriving, call 1-888-298-0045. They will ask you for some ID and arrange for your PIN to be sent to you in 4-7 days.
  • 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).
  • Info on freezing a child’s credit with Equifax can be found here.
  • If requesting a freeze by mail, use the following address:
    • Equifax Security Freeze
    • P.O. Box 105788
    • Atlanta, GA. 30348

EXPERIAN CREDIT FREEZE

  • Credit freezes may be done online; by certified mail – return receipt requested; 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 of your credit freeze and to see if there is a reduction in cost if you are a senior citizen.
  • Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.
  • You can also freeze a child’s credit report. The information contained at this link is applicable for all three credit bureaus. You must first write a letter to each bureau to learn if your minor child has a credit report and if so, then you can proceed to freeze it.
  • Unfreeze: Do a temporary thaw of your Experian credit freeze online or by calling 1-888-397-3742.
  • Info on freezing a child’s credit with Experian can be found here.
  • If requesting a freeze by mail, use the following address:
    • Experian
    • P.O. Box 9554
    • Allen, TX. 75013

TRANSUNION CREDIT FREEZE

  • Credit freezes may be done online, by phone (1-888-909-8872) or by certified mail – return receipt requested.
  • Check your state’s listing for the exact cost of your credit freeze and to see if there is a reduction in cost if you are a senior citizen.
  • Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.
  • Unfreeze: Do a temporary thaw of your TransUnion credit freeze online or by calling 1-888-909-8872.
  • Info on freezing a child’s credit with TransUnion can be found here.
  • If requesting a freeze by mail, use the following address:
    • TransUnion LLC
    • P.O. Box 2000
    • Chester, PA 19016

— Source: Clark Howard