Credit Report Security Freeze

Lock or unlock access to your credit file

Security Freeze

A security freeze is designed to prevent credit, loans and services from being approved in your name without your consent but may also delay or interfere with or prohibit the timely approval of any subsequent requests or application you make regarding new credit, loans or services.

Select from one of the security freeze options below to get started.

What would you like to do?

  • Add a security freeze to your credit file to prevent credit, loans and services from being approved in your name without your consent.

  • If you have a security freeze on your credit report and wish to remove it so that a third party can access your credit information.

  • If you have a security freeze on your credit report and wish to request a forgotten or misplaced PIN. A PIN is needed to remove a freeze from your credit file, and to provide a creditor access to your credit file.

  • Request a single-use Personal Identification Number to provide to a creditor to access your credit file. A single-use PIN may only be used by one creditor. A new single-use PIN must be requested and given to each additional creditor for them to access your credit file.

  • If you are looking to learn more about security freezes.

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Security Freeze Warning

Security Freeze WarningA security freeze is designed to prevent credit, loans and services from being approved in your name without your consent. However, the alert may delay or interfere with or prohibit the timely approval of any subsequent requests or application you make regarding a new loan, credit, mortgage, insurance, rental housing, employment, investment, license, cellular phone, utilities, digital signature, internet credit card transactions or other services, including extension of credit or services at point of sale.

When you place a security freeze on your file, you will be provided a personal identification number or password to use if you choose to remove the security freeze from your file or authorize the temporary release of your credit report for a specific person or period after the security freeze is in place. If you are actively seeking credit, you should understand that the procedures involved in lifting a security freeze may slow your own application for credit.

You should plan ahead and lift a freeze, either completely if you are shopping around, or specifically for a certain creditor, a few days before actually applying for new credit. To find out the specific requirements for placing a security freeze on your credit report according to your state's laws, please visit our state specific processes page.

Security Freeze Exceptions

Security Freeze ExceptionsPlacing a "security freeze" on your credit report prohibits us from releasing any information in your credit report without your express authorization, except to those with whom you have an existing account or a collection agency acting on behalf of the existing account, for purposes of reviewing (account maintenance, monitoring, credit line increases and account upgrades and enhancements) or collecting the account. Your information also may be used for the purposes of prescreening as provided for by the federal Fair Credit Reporting Act, even if a security freeze is on the report.

Placing Freeze with other Bureaus

Placing Freeze with other BureausIf you place a security freeze on your file, it is not automatically shared with other credit reporting agencies. You will need to contact Equifax and TransUnion separately if you wish to freeze your file with them.

EquifaxP.O.Box 740256
Atlanta, GA, 30374
1 800 685 1111

TransUnionP.O.Box 390
Springfield, PA, 19064
1 800 916 8800

Notice

Write down your Personal Identification Number (PIN) when adding a security freeze. Knowing your PIN will make it easier when lifting/removing a security freeze.

Remove Freeze

You may lift a security freeze permanently or temporarily. Please choose an option to continue: