How to Freeze Your Credit at All 3 Bureaus—For Free

A credit freeze—called a security freeze by credit bureaus—protects you from the cost and disruption that can happen when identity thieves attempt to open new accounts in your name.¹ If you choose to freeze your credit, you have three options. In order of ease and speed, they are: online, on the phone, or in the mail (U.S. Postal, not “e”).²

I froze my credit online in October 2017, shortly after the Equifax data breach,³ when the necessary web pages were hard to locate. Now they’re easier to find—and you can get to the credit freeze pages for all three credit bureaus by clicking these links: Equifax, Experian, and TransUnion. These pages provide further links to:

• Start a freeze process
• Unfreeze credit
• Freeze the credit of a child, spouse, or other relative.

You’ll start by filling a form that may ask for:^4,5,6

• Your name
• Address 
• Social Security number (or last four digits)
• Email address
• Equifax also asks for your mobile number, and will take an individual taxpayer identification number (ITIN) as an alternative to the Social Security number.

On the phone, automated systems at all three credit bureaus ask for the same detailed personal information described above.

• Once they’re satisfied that you’re you, they will establish your credit freeze.
• It may takes more time on the phone to get through the questions and answers for the automated voice response system. It may also be difficult to reach a live customer service rep.
• Unfortunately, whether online or by phone, if there are any discrepancies between your personal information and the information in the credit bureau’s database, the system won’t sign you up. Instead, it may tell you to send a written request in the mail or through an online system.^7,8,9

The numbers to call are:

• Equifax: 1-888-298-0045
• Experian: 1-888-397-3742
• TransUnion: 1-800-916-8800
  

You’ll need to prepare a fairly thick packet of information, including everything mentioned above under How to freeze your credit online. But that’s not all. They may also want to see:

• Copies of two forms of identification, one showing your address (such as a driver’s license, state identification card, rental lease, pay stub, or utility bill) and one showing your Social Security number (your Social Security card itself, or a tax return, W2, or pay stub that includes the number).
• Equifax has a send-by-mail form that lists all the requirements, with instructions.⁵ The others have online instructions, but they all say approximately the same thing.^4,6

The addresses for written requests are:

• Equifax: P.O. Box 105788, Atlanta, GA 30348-5788
• Experian: P.O. Box 9554, Allen, TX 75013
• TransUnion: P.O. Box 160, Woodlyn, PA 19094

I conducted an informal survey on credit freezes for an article titled “Should I Freeze my Credit?"  One of the things that became clear was that many respondents decided not to do it because of the red tape concern. If I summarize all their reasons, it comes down to the wasted time and aggravation they anticipated. 

But most of the 18 respondents who actually did a credit freeze said it was relatively fast and easy, mirroring my experience. Only a handful reported bureaucratic delays, usually if the credit bureau’s database contained errors or when attempting to unfreeze their credit (either temporarily or permanently). 

And there is no fee at the end. A federal law that went into effect in September 2018 mandates that credit freezes are free.¹⁰ If that fact conflicts with something you read elsewhere, consider that many online sources may not have been updated since the law passed.