Freezing Your Credit is the Most Effective Tool You Have Against Economic Theft – And It’s Easy To Do!

Once a credit (or security) freeze has been placed on your credit reports, credit card issuers, lenders and others can’t review the summary of loans and payments that makes up your credit history. Without that information, lenders won’t issue credit. This means criminals can’t set up fraudulent accounts in your name.

All three credit agencies, Equifax, Experian and Transunion allow you to seal your credit reports and use a personal identification number (PIN) that only you know and can use to temporarily “thaw” your credit for a set period of time so that legitimate applications for credit and services can be processed. That added layer of security means that thieves cannot establish new credit in your name even if they are able to obtain your ID.

Freezing your credit files has no impact whatsoever on your existing lines of credit, such as credit cards. You can continue to use them as you regularly would even when your credit is frozen.

There is no cost to freeze your credit report, The cost to “thaw” your reports for one creditor — or for a specific period of time say, one month, six months etc. is $10.

Here’s how to contact the three credit agencies:


 Go to:

Or you may also request a security freeze by calling their automated line at 1-800-685-1111. You can also submit your request in writing to:

Equifax Security Freeze
P.O. Box 105788
Atlanta, Georgia 3034

Be sure to include the following: Your complete name including any suffix (e.g. JR., Sr., etc) Complete address, Social Security Number, Date of Birth

First freeze application is free. For your protection, you need to send some proof of identification.


Go to:

Or send all of the following via certified mail to:

Experian Security Freeze,
P.O. Box 9554,
Allen, TX 75013

Include full name, with middle initial and generation, such as JR, SR, II, III, etc. Social Security number; date of birth, current address and previous addresses for the past two years.

First freeze application is free. The fee for temporarily removing a security freeze is $10.


 Go to:

Credit freezes may be done online, by phone 1-888-909-8872 You can also do this by certified mail – return receipt requested.

Transunion LLC
P.O. Box 2000
Chester, PA 19022-2000

Supply your full name including any suffix and your complete address, plus your Social Security Number, and date of birth.

First freeze application is free. The fee for temporarily removing a security freeze is $10.

By the way, you can also freeze a child’s credit report at all three credit agencies. You must first write a letter to each bureau to learn if your minor child has a credit report and if so, then you can proceed to freeze it.