How to Freeze Your Credit With All Three Bureaus
A credit freeze is free and prevents new accounts from being opened in your name. Here is exactly how to freeze your credit at Equifax, Experian, and TransUnion.
A credit freeze — also called a security freeze — prevents new credit accounts from being opened in your name. It is free, does not affect your credit score, and can be temporarily lifted when you need to apply for credit.
A credit freeze is one of the most effective defenses against new-account identity fraud. Here is exactly how to set one up with all three major bureaus.
How to Freeze Your Credit at Each Bureau
Equifax: equifax.com/personal/credit-report-services/credit-freeze — create an account or log in, then select 'Add a Security Freeze'. You will receive a PIN to use when lifting the freeze.
Experian: experian.com/freeze/center.html — create an account, go to Security Freeze, and follow the prompts. Experian does not provide a PIN; you manage the freeze through your online account.
TransUnion: transunion.com/credit-freeze — create an account and select 'Add Freeze'. You can use the TransUnion app to manage the freeze instantly.
Lifting a Credit Freeze When You Need Credit
You can lift your freeze temporarily (for a specified date range or specific lender) or permanently remove it. Online lifts typically take effect within minutes.
If you are applying for credit, ask your lender which bureau they use so you only need to lift that one freeze — you do not have to lift all three.
What a Credit Freeze Does Not Cover
A credit freeze prevents new account openings but does not protect against account takeover fraud (accessing existing accounts), medical identity theft, or tax fraud using your SSN.
For complete protection, pair your credit freeze with data broker removal (to reduce social engineering risk) and dark web monitoring (to detect credential exposure early).
Run Exposure Scan
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