Protect your credit reports. Here are seven steps in applying for a credit freeze in the US:
Gather Necessary Information
Gather the information below. Provide your personal information to the credit bureaus.
- Social Security number
- Date of birth
- Addresses from the past few years
Prepare copies of your driver’s license or passport as well.
Contact the Credit Bureaus
Call each of these 3 credit bureaus and request a credit freeze.
- Equifax
- Experian
- TransUnion
Do this online, by phone, or by mail.
Provide Personal Information
Provide the required personal information. Requests for information may vary per credit bureau. They normally ask for your full name, Social Security number, birth date, and present residence.
Verify Identity Before Applying For A Credit Freeze
The credit bureaus need to verify your identity first. They will approve the credit freeze upon confirmation. Moreover, be prepared because they will inquire about your credit history or ask copies of your personal identification.
Choose Freeze Options
Choose the type of credit freeze you want to apply for. You have two options below.
- Freeze your credit report entirely
- Set up a temporary thaw for specific purposes (credit or loans application)
Keep Documentation When Applying For A Credit Freeze
Compile documentation of your freeze request from the credit bureaus for future changes. This includes any provided confirmation numbers or reference numbers.
Monitor Credit Reports
Monitor your credit reports regularly. Keep an eye out for any suspicious activities involving your accounts. Request a free copy of your credit report from AnnualCreditReport.com.
Credit freeze provides great protection against identity theft. Therefore, be sure to follow the instructions carefully. This facilitates the smooth processing of your credit freeze application. In addition, you may have to lift or thaw the freeze temporarily as needed. So, continue to check your financial accounts for any fraudulent activity.