When requesting a freeze, customers will be asked to answer questions to verify their identity. They will also need to provide their personal information, including name, date of birth, social security number, a copy of a photo ID, address, and proof of residence (for example, an invoice for services recent public). Depending on the office, clients can obtain a PIN code that they can use to refreeze and unfreeze the report if needed in the future. This PIN code should be treated like any other sensitive information and kept in a secure place.

Applying for a credit freeze usually does not take too long and can be completed in about ten minutes per office. Here’s how the customer should start the process with each office:

How to freeze credit with Equifax

Customers can freeze their credit with Equifax online at their website or by calling 800-349-9960.

How to freeze credit with Experian

To initiate credit freeze with Experian, customers should either visit their online security freeze center or call 888-EXPERIAN (888-397-3742).

How to freeze credit with TransUnion

TransUnion also allows anyone to freeze their credit online at its website or by calling 888-909-8872.

What Happens When Credit Reports Are Frozen


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