![]() If you lose your PIN, you can request a new one. You must have it in order to lift your credit freeze in the future. Write it down and keep it in a safe place. A credit freeze does not prevent credit checks for jobs, housing or insurance.Īfter you get the credit freeze, you will get a PIN or password from each agency. You can also temporarily lift the freeze for a specific creditor if you are applying for credit. If you call, the agency has to lift the freeze within one hour. You can temporarily lift the freeze or remove it altogether by calling the consumer reporting agencies. The column on the right has the contact information for the three nationwide consumer reporting agencies. We recommend that you write or fill out the form online so that you have proof that you requested the freeze. Save a copy of the form for your records. Fill out the online form that each nationwide consumer reporting agency has on its website.Keep a copy of the letter for your records. Send the letter certified mail, return receipt requested. Write each of the three nationwide consumer reporting agencies a letter requesting the credit freeze.They will ask for some personal information like your name, address, social security number, and date of birth in order to put the freeze in place. Call each of the three nationwide consumer reporting agencies.There are three ways you can get a credit freeze. Tip: A credit freeze does not prevent credit checks for the purposes of employment, housing, and insurance-related reasons. This means that no new accounts can be opened in your name while the credit freeze is in place, unless you give explicit permission. It restricts access to your credit reports. Keep in mind that since this address will become permanently part of your credit file, future creditors or potential creditors may attempt to contact you at whatever address you use.Ĭonsumer Reporting Agency Contact InformationĪ credit freeze, or security freeze, completely locks down your credit. Box address or the address of a trusted relative or friend. Consider whether or not to disclose a safe address, because an abuser may try to access your credit report and see what addresses are included. Ways You Can Protect Your Creditįor your safety, it is important to know that when you share your address with the consumer reporting agency to establish a security freeze or fraud alert, it will become part of your file and may appear on your credit report. ![]() Putting a credit freeze or fraud alert in place with the three major credit reporting agencies-Equifax, Experian, and TransUnion-makes it harder for someone to open new accounts in your name. There is no charge for these protections. ![]() A security freeze, commonly known as a credit freeze, and fraud alert are both ways to prevent identity theft. ![]()
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