How to freeze your credit file at all 3 Bureau—for free
How to Freeze Your Credit at All 3 Bureaus

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. If you choose to freeze your credit, you have three options. In order of ease and speed, they are: online, on the phone, by the U.S. Postal Service.
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, TransUnion. These pages provide further links to:
- Start a freeze process,
- Unfreeze credit , or
- Freeze the credit of a child, spouse, or other relative.
You’ll start by filling a form that asks for:
- Your name,
- Address,
- Social security number (or last four digits), and
- 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.
- All three bureaus will also want to know how long you’ve lived at your current address—for example, TransUnion asks if it’s more than six months, Experian asks if it’s more than two years.
- TransUnion and Equifax will want you to establish accounts, but Experian freezes and unfreezes credit based on your personal information and PIN.
How to Freeze Your Credit on the Phone
On the phone, automated systems at all three credit bureaus ask for the same detailed personal information described above.
- Once satisfied that you’re you, they will establish your credit freeze and give you a 10-digit PIN. Safeguard it, since you’ll need it to temporarily lift or permanently remove the freeze by phone or mail.
- It takes more time on the phone to get through the questions and answers for the automated voice response system. Don’t expect 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 will tell you to send a written request in the mail.
The numbers to call are:
- Equifax: 1-800-349-9960
- Experian: 1-888-397-3742
- TransUnion: 1-888-909-8872
How to Freeze Your Credit by Mail
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’ll 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. The others have online instructions, but they all say approximately the same thing.
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