How to Freeze Your Credit (Complete Guide)
A credit freeze is the single most effective protection against someone opening new accounts in your name. It's been free since 2018 and takes about 30 minutes to set up at all three bureaus.
What the FTC Says
"A credit freeze is the best way to help prevent new accounts from being opened in your name." — Federal Trade Commission
What is a Credit Freeze?
A credit freeze prevents lenders from accessing your credit report. Without access to your report, they can't approve new accounts—so even if someone has your Social Security number, they can't open credit cards or loans in your name.
It's different from a credit lock. A credit lock is a paid service from credit bureaus that does the same thing. The freeze is free and legally mandated—use the free option.
Step-by-Step: Freeze at All Three Bureaus
You must freeze at all three bureaus. Lenders use different ones, so missing one leaves a gap.
1. Equifax
~10 minutes
- Go to equifax.com/personal/credit-report-services/credit-freeze/
- Click "Place a Freeze"
- Create an account and verify your identity
- Save your PIN securely in your password manager
2. Experian
~10 minutes
- Go to experian.com/freeze/
- Click "Add a Security Freeze"
- Create an account and verify your identity
- Save your PIN securely
3. TransUnion
~10 minutes
- Go to transunion.com/credit-freeze
- Click "Add a Freeze"
- Create an account and verify your identity
- Save your PIN securely
Common Questions
Can I still use my existing credit cards?
Yes. A freeze only prevents NEW accounts. Your existing cards work normally.
What if I need to apply for credit?
You can temporarily lift ("thaw") the freeze online. It takes about 5 minutes and you can set it to automatically refreeze.
Does it affect my credit score?
No. A freeze has zero impact on your credit score.
Should I freeze my kids' credit?
Yes, especially if they have a Social Security number. Child identity theft often goes undetected for years.
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