To place a credit freeze in the U.S., contact each of the three nationwide credit bureaus--Equifax, Experian, and TransUnion--separately online, by phone, or mail. Federal law under the Fair Credit Reporting Act (FCRA) requires them to place the freeze at no cost and provide confirmation, per FTC guidance and CFPB guidance. Anyone can request a freeze at any time to restrict most creditors and lenders from accessing their full credit report, which helps prevent new account fraud.
What Controls Credit Freezes
Federal law makes security freezes free. The credit bureaus must place the freeze upon request, follow rules for confirmation, and restrict access to your credit report by most creditors and lenders reviewing applications for new credit accounts, per FTC, CFPB, and USAGov.
This process is distinct from fraud alerts, credit locks, company policies on existing accounts, or payment disputes. State rules do not override the federal requirement to contact all three nationwide bureaus separately.
Step-by-Step: How to Place a Credit Freeze
Contact each bureau individually, as a freeze at one does not apply to the others. Online or phone requests are often fastest. Mail may require copies of ID documents like a driver's license and utility bill. Expect a confirmation with a PIN for future management.
| Credit Bureau | Online | Phone | Mail Address |
|---|---|---|---|
| Equifax | equifax.com/personal/credit-report-services | 888-298-0045 | Equifax Information Services LLC, P.O. Box 105788, Atlanta, GA 30348-5788 |
| Experian | experian.com/freeze/center.html | 888-397-3742 | Experian Security Freeze, P.O. Box 9554, Allen, TX 75013 |
| TransUnion | transunion.com/credit-freeze | 888-909-8872 | TransUnion, P.O. Box 2000, Chester, PA 19016 |
What a Credit Freeze Does Not Do
A credit freeze blocks new creditor access but does not stop existing creditors from viewing your report, bill collectors, or your own checks of your credit. It differs from fraud alerts, which are temporary and allow some access. Credit locks offered by some bureaus have a similar effect but are not the federal standard.
This is not a credit card billing dispute or merchant refund process.
Lifting or Removing a Freeze
Lifts are free using the same contact methods and your PIN. Request a temporary lift for a set period or for a specific creditor, or remove it permanently. Existing accounts remain unaffected.
FAQ
Is a credit freeze free?
Yes, federal law requires all three bureaus to place it at no cost.
Do I need to place it with all three bureaus?
Yes, contact each separately.
How long does it take?
Online and phone are often immediate; mail takes longer.
Does it hurt my credit score?
No.