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Identity Protection How-To: Freezing your Credit

August 25, 2023

Freezing your credit is an important element of identity protection: if your credit is frozen, new accounts can’t be opened in your name. This is an important tool at your disposal; should a bad actor try to open a line of credit in your name, it won’t be approved. If your information was compromised during a credit breech, freezing your credit right away can save you a considerable amount of time and money down the line.

Of course, if you freeze your credit, you won’t be able to access your credit for legitimate purposes either – this means that if the freeze is still active when you try to open a new credit card, the request will be denied. For this reason, it’s useful to know how to both freeze and un-freeze your credit.

Credit reporting is handled by three companies – Equifax, TransUnion, and Experian. These are the companies you contact to add/remove a freeze. You can request a freeze via phone, online, or standard mail.

Adding or removing a freeze is always free.


Equifax: Call (888) 298-0045, or go to

TransUnion: Call 888-909-8872 or go to

Experian: Call 888-397-3742 or go to